314 S Oakley AveDuboisID83423
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Dubois rental at 314 S Oakley Ave, Dubois, ID, 83423 sits in the solid-income band: 8.32% gross yield, $1,663/mo rent, $283/mo net after the $1,079/mo debt service, DSCR 1.54. Entry price of $239,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $66,280 and $2,210/yr in principal reduction bring total cumulative return to $108,741.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $283 | $400 |
City averages based on Dubois market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,663 |
| Total Monthly Debt Service | $1,285 |
| DSCR Ratio | 1.29x |
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.
Single Family
Built in 1974
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83423, Dubois, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 370 (100%) |
| Owner Occupied HU | 195 (52.7%) |
| Renter Occupied HU | 84 (22.7%) |
| Vacant Housing Units | 91 (24.6%) |
| Median Home Value | $298,438 |
| Average Home Value | $496,167 |
Housing Distribution
Address Breakdown
Residential
62
Single Family
62
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 1974
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83423, Dubois, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 370 (100%) |
| Owner Occupied HU | 195 (52.7%) |
| Renter Occupied HU | 84 (22.7%) |
| Vacant Housing Units | 91 (24.6%) |
| Median Home Value | $298,438 |
| Average Home Value | $496,167 |
Housing Distribution
Address Breakdown
Residential
62
Single Family
62
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
