340 River St W #124KetchumID83340
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 340 River St W #124, Ketchum, ID, 83340 in Ketchum worth study. Rental yield 4.48%. The 4.48% gross yield is below cash-flow benchmarks at $859,000, but 5% annual appreciation, adding $237,326 over five years, frames this as a capital growth position. Rent of $3,530/mo partially offsets the $3,863/mo payment. Ziffy Mortgage finances appreciation-play properties (0.91 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $211,753.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.2% |
| Monthly Cash Flow | $(2,265) | $1,000 |
City averages based on Ketchum market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,530 |
| Total Monthly Debt Service | $4,959 |
| DSCR Ratio | 0.71x |
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.
Condo
Built in 1972
N/A lot
$N/A/sqft
$1,076 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83340, Ketchum, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,468 (100%) |
| Owner Occupied HU | 1,579 (35.3%) |
| Renter Occupied HU | 771 (17.3%) |
| Vacant Housing Units | 2,118 (47.4%) |
| Median Home Value | $973,821 |
| Average Home Value | $1,185,082 |
Housing Distribution
Address Breakdown
Residential
48
Single Family
48
Multi-Family
0
Businesses
569
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
Condo
Built in 1972
N/A lot
$N/A/sqft
$1,076 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83340, Ketchum, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,468 (100%) |
| Owner Occupied HU | 1,579 (35.3%) |
| Renter Occupied HU | 771 (17.3%) |
| Vacant Housing Units | 2,118 (47.4%) |
| Median Home Value | $973,821 |
| Average Home Value | $1,185,082 |
Housing Distribution
Address Breakdown
Residential
48
Single Family
48
Multi-Family
0
Businesses
569
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stephanie Reed Real Estate • Keller Williams Sun Valley Southern Idaho
Mls Name: Sun Valley BOR MLS
Mls Provider:
Mls ID: #25-333275
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information provided by Sun Valley Board of REALTORS/ Sun Valley Multiple Listing Service is deemed reliable but not guaranteed by the MLS. The properties displayed are provided courtesy of Real Estate Brokers participating in the Sun Valley Board of REALTORS/ Sun Valley Multiple Listing Service Internet Data Exchange Program (IDX).