306 S Pine StTroyID83871
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 306 S Pine St, Troy, ID, 83871 in Troy fits: $285,000, 5.06% gross yield, and a projected 5% annual appreciation rate adding $78,740 in value within five years. Rental yield 5.06%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.94) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,625/yr in principal paydown and $78,740 in appreciation project a total return of $76,259.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.0% |
| Monthly Cash Flow | $(489) | $200 |
City averages based on Troy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,202 |
| Total Monthly Debt Service | $1,578 |
| DSCR Ratio | 0.76x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1950
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83871, Troy, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 926 (100%) |
| Owner Occupied HU | 753 (81.3%) |
| Renter Occupied HU | 122 (13.2%) |
| Vacant Housing Units | 51 ( 5.5%) |
| Median Home Value | $495,982 |
| Average Home Value | $570,883 |
Housing Distribution
Address Breakdown
Residential
577
Single Family
577
Multi-Family
0
Businesses
69
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1950
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83871, Troy, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 926 (100%) |
| Owner Occupied HU | 753 (81.3%) |
| Renter Occupied HU | 122 (13.2%) |
| Vacant Housing Units | 51 ( 5.5%) |
| Median Home Value | $495,982 |
| Average Home Value | $570,883 |
Housing Distribution
Address Breakdown
Residential
577
Single Family
577
Multi-Family
0
Businesses
69
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Samantha Devoe • At Home Real Estate LLC
Mls Name: IMLS
Mls Provider:
Mls ID: #98939970
Disclaimer: IDX information is provided exclusively for consumers personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IMLS does not assume any liability for missing or inaccurate data. Information provided by IMLS is deemed reliable but not guaranteed.