335 N Pine StPeckID83545
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 335 N Pine St, Peck, ID, 83545 in Peck fits: $299,000, 5.77% gross yield, and a projected 5% annual appreciation rate adding $82,608 in value within five years. Rental yield 5.77%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.07) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,754/yr in principal paydown and $82,608 in appreciation project a total return of $94,764.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.0% |
| Monthly Cash Flow | $(281) | $500 |
City averages based on Peck market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,439 |
| Total Monthly Debt Service | $1,601 |
| DSCR Ratio | 0.90x |
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 1940
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83545, Peck, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 260 (100%) |
| Owner Occupied HU | 187 (71.9%) |
| Renter Occupied HU | 22 ( 8.5%) |
| Vacant Housing Units | 51 (19.6%) |
| Median Home Value | $364,773 |
| Average Home Value | $380,896 |
Housing Distribution
Address Breakdown
Residential
141
Single Family
141
Multi-Family
0
Businesses
14
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 1940
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83545, Peck, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 260 (100%) |
| Owner Occupied HU | 187 (71.9%) |
| Renter Occupied HU | 22 ( 8.5%) |
| Vacant Housing Units | 51 (19.6%) |
| Median Home Value | $364,773 |
| Average Home Value | $380,896 |
Housing Distribution
Address Breakdown
Residential
141
Single Family
141
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices