320 S Superior StCambridgeID83610
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 320 S Superior St, Cambridge, ID, 83610 in Cambridge is narrow, $137/mo net on $2,220/mo rent after the $1,628/mo debt service, but the property operates at break-even-plus, not a loss. At $362,000 with a 7.36% yield, the long-run equity case via 5% appreciation ($100,014 over five years) and $3,334/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.36 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $145,451.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $137 | $1,200 |
City averages based on Cambridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,220 |
| Total Monthly Debt Service | $1,938 |
| DSCR Ratio | 1.15x |
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 1998
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83610, Cambridge, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 549 (100%) |
| Owner Occupied HU | 351 (63.9%) |
| Renter Occupied HU | 91 (16.6%) |
| Vacant Housing Units | 107 (19.5%) |
| Median Home Value | $356,087 |
| Average Home Value | $422,343 |
Housing Distribution
Address Breakdown
Residential
264
Single Family
264
Multi-Family
0
Businesses
59
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 1998
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83610, Cambridge, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 549 (100%) |
| Owner Occupied HU | 351 (63.9%) |
| Renter Occupied HU | 91 (16.6%) |
| Vacant Housing Units | 107 (19.5%) |
| Median Home Value | $356,087 |
| Average Home Value | $422,343 |
Housing Distribution
Address Breakdown
Residential
264
Single Family
264
Multi-Family
0
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices