313 4th StPonderayID83852
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 313 4th St, Ponderay, ID, 83852 in Ponderay is straightforward: $239,000 in, $1,883/mo in rent, $508/mo out after debt service. The 9.45% gross yield and 1.75 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $66,031 by year five. With $2,201/yr in principal equity, the total cumulative return is projected at $122,857.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.0% |
| Monthly Cash Flow | $508 | $900 |
City averages based on Ponderay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,883 |
| Total Monthly Debt Service | $1,280 |
| DSCR Ratio | 1.47x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Manufactured
Built in 1973
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83852, Ponderay, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 751 (100%) |
| Owner Occupied HU | 377 (50.2%) |
| Renter Occupied HU | 320 (42.6%) |
| Vacant Housing Units | 54 ( 7.2%) |
| Median Home Value | $416,447 |
| Average Home Value | $475,338 |
Housing Distribution
Address Breakdown
Residential
551
Single Family
455
Multi-Family
96
Businesses
287
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
Manufactured
Built in 1973
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83852, Ponderay, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 751 (100%) |
| Owner Occupied HU | 377 (50.2%) |
| Renter Occupied HU | 320 (42.6%) |
| Vacant Housing Units | 54 ( 7.2%) |
| Median Home Value | $416,447 |
| Average Home Value | $475,338 |
Housing Distribution
Address Breakdown
Residential
551
Single Family
455
Multi-Family
96
Businesses
287
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Monica Zylstra • Keller Williams Realty Coeur d'Alene
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #26-843
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.