3432 W Pioneer RdHomedaleID83628
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 3432 W Pioneer Rd, Homedale, ID, 83628 in Homedale the bet is firmly on appreciation. Rental yield 3.43%. The 3.43% gross yield on a $525,000 price is below income-first thresholds, but 5%/yr value growth projects $145,048 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.64) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $100,252.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 8.0% |
| Monthly Cash Flow | $(1,520) | $300 |
City averages based on Homedale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $2,811 |
| DSCR Ratio | 0.53x |
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 1950
5.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83628, Homedale, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,969 (100%) |
| Owner Occupied HU | 1,424 (72.3%) |
| Renter Occupied HU | 474 (24.1%) |
| Vacant Housing Units | 71 ( 3.6%) |
| Median Home Value | $319,900 |
| Average Home Value | $342,205 |
Housing Distribution
Address Breakdown
Residential
1,766
Single Family
1,709
Multi-Family
57
Businesses
148
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 1950
5.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83628, Homedale, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,969 (100%) |
| Owner Occupied HU | 1,424 (72.3%) |
| Renter Occupied HU | 474 (24.1%) |
| Vacant Housing Units | 71 ( 3.6%) |
| Median Home Value | $319,900 |
| Average Home Value | $342,205 |
Housing Distribution
Address Breakdown
Residential
1,766
Single Family
1,709
Multi-Family
57
Businesses
148
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices