366 N 1 WDowneyID83234
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 366 N 1 W, Downey, ID, 83234 in Downey at $299,000, 5.58% gross yield, is a market-growth asset. Rental yield 5.58%. The $1,406/mo rent partially funds the $1,344/mo debt service; the core return is the 5%/yr price growth projected to add $82,608 over five years. Ziffy Mortgage's DSCR mortgage (1.05) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $92,652.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 5.2% |
| Monthly Cash Flow | $(329) | $300 |
City averages based on Downey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,406 |
| Total Monthly Debt Service | $1,601 |
| DSCR Ratio | 0.88x |
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 1905
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83234, Downey, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 658 (100%) |
| Owner Occupied HU | 443 (67.3%) |
| Renter Occupied HU | 66 (10.0%) |
| Vacant Housing Units | 149 (22.6%) |
| Median Home Value | $209,052 |
| Average Home Value | $256,981 |
Housing Distribution
Address Breakdown
Residential
278
Single Family
278
Multi-Family
0
Businesses
32
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 1905
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83234, Downey, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 658 (100%) |
| Owner Occupied HU | 443 (67.3%) |
| Renter Occupied HU | 66 (10.0%) |
| Vacant Housing Units | 149 (22.6%) |
| Median Home Value | $209,052 |
| Average Home Value | $256,981 |
Housing Distribution
Address Breakdown
Residential
278
Single Family
278
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
