315 S 5th StSaint MariesID83861
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 315 S 5th St, Saint Maries, ID, 83861 in Saint Maries at $315,000. Rental yield 6.25%. The 6.25% yield and 1.16 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $87,029 by year five, and $2,901/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $107,806.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.0% |
| Monthly Cash Flow | $(172) | $300 |
City averages based on Saint Maries market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,640 |
| Total Monthly Debt Service | $1,687 |
| DSCR Ratio | 0.97x |
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 1910
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83861, Saint Maries, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,736 (100%) |
| Owner Occupied HU | 2,588 (69.3%) |
| Renter Occupied HU | 617 (16.5%) |
| Vacant Housing Units | 531 (14.2%) |
| Median Home Value | $361,358 |
| Average Home Value | $459,228 |
Housing Distribution
Address Breakdown
Residential
2,955
Single Family
2,874
Multi-Family
81
Businesses
315
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 1910
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83861, Saint Maries, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,736 (100%) |
| Owner Occupied HU | 2,588 (69.3%) |
| Renter Occupied HU | 617 (16.5%) |
| Vacant Housing Units | 531 (14.2%) |
| Median Home Value | $361,358 |
| Average Home Value | $459,228 |
Housing Distribution
Address Breakdown
Residential
2,955
Single Family
2,874
Multi-Family
81
Businesses
315
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela King • EXP Realty
Mls Name: Coeur d'Alene MLS
Mls ID: #25-3274