326 Montana StGoodingID83330
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 326 Montana St, Gooding, ID, 83330 in Gooding. Rental yield 6.7%. The 1.24 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $71,281 and $2,376/yr in principal reduction project total return of $94,524.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.0% |
| Monthly Cash Flow | $(44) | $200 |
City averages based on Gooding market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $1,382 |
| DSCR Ratio | 1.04x |
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 1915
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83330, Gooding, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,634 (100%) |
| Owner Occupied HU | 1,737 (65.9%) |
| Renter Occupied HU | 779 (29.6%) |
| Vacant Housing Units | 118 ( 4.5%) |
| Median Home Value | $274,257 |
| Average Home Value | $321,737 |
Housing Distribution
Address Breakdown
Residential
2,514
Single Family
2,509
Multi-Family
5
Businesses
216
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 1915
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83330, Gooding, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,634 (100%) |
| Owner Occupied HU | 1,737 (65.9%) |
| Renter Occupied HU | 779 (29.6%) |
| Vacant Housing Units | 118 ( 4.5%) |
| Median Home Value | $274,257 |
| Average Home Value | $321,737 |
Housing Distribution
Address Breakdown
Residential
2,514
Single Family
2,509
Multi-Family
5
Businesses
216
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices