344 Whitewater Wilderness DrPollockID83547
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 344 Whitewater Wilderness Dr, Pollock, ID, 83547 in Pollock worth study. Rental yield 5.32%. The 5.32% gross yield is below cash-flow benchmarks at $630,000, but 5% annual appreciation, adding $174,057 over five years, frames this as a capital growth position. Rent of $2,791/mo partially offsets the $2,833/mo payment. Ziffy Mortgage finances appreciation-play properties (0.99 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $184,100.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.5% |
| Monthly Cash Flow | $(833) | $1,200 |
City averages based on Pollock market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,791 |
| Total Monthly Debt Service | $3,374 |
| DSCR Ratio | 0.83x |
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 2003
20.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83547, Pollock, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 204 (100%) |
| Owner Occupied HU | 123 (60.3%) |
| Renter Occupied HU | 37 (18.1%) |
| Vacant Housing Units | 44 (21.6%) |
| Median Home Value | $368,519 |
| Average Home Value | $561,626 |
Housing Distribution
Address Breakdown
Residential
67
Single Family
67
Multi-Family
0
Businesses
10
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 2003
20.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83547, Pollock, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 204 (100%) |
| Owner Occupied HU | 123 (60.3%) |
| Renter Occupied HU | 37 (18.1%) |
| Vacant Housing Units | 44 (21.6%) |
| Median Home Value | $368,519 |
| Average Home Value | $561,626 |
Housing Distribution
Address Breakdown
Residential
67
Single Family
67
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
