313 Ponderosa CtPierceID83546
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 313 Ponderosa Ct, Pierce, ID, 83546 in Pierce deserves attention. This $185,000 property earns $1,638/mo in rent, a 10.62% gross yield, and nets $574/mo after the $877/mo payment. DSCR 1.87 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $51,112 compounds alongside $1,551/yr in yearly equity build, for a total cumulative return of $103,285.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 5.5% |
| Monthly Cash Flow | $574 | $300 |
City averages based on Pierce market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,638 |
| Total Monthly Debt Service | $1,036 |
| DSCR Ratio | 1.58x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1965
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83546, Pierce, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 352 (100%) |
| Owner Occupied HU | 198 (56.2%) |
| Renter Occupied HU | 38 (10.8%) |
| Vacant Housing Units | 116 (33.0%) |
| Median Home Value | $174,265 |
| Average Home Value | $224,533 |
Housing Distribution
Address Breakdown
Residential
120
Single Family
119
Multi-Family
1
Businesses
37
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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
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