3660 E 1312 NAshtonID83420
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 3660 E 1312 N, Ashton, ID, 83420 in Ashton the bet is firmly on appreciation. Rental yield 4.95%. The 4.95% gross yield on a $639,900 price is below income-first thresholds, but 5%/yr value growth projects $176,793 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.92) 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: $174,438.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.0% |
| Monthly Cash Flow | $(1,041) | $300 |
City averages based on Ashton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,640 |
| Total Monthly Debt Service | $3,427 |
| DSCR Ratio | 0.77x |
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 2025
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83420, Ashton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,299 (100%) |
| Owner Occupied HU | 850 (65.4%) |
| Renter Occupied HU | 161 (12.4%) |
| Vacant Housing Units | 288 (22.2%) |
| Median Home Value | $343,643 |
| Average Home Value | $444,268 |
Housing Distribution
Address Breakdown
Residential
440
Single Family
440
Multi-Family
0
Businesses
78
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 2025
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83420, Ashton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,299 (100%) |
| Owner Occupied HU | 850 (65.4%) |
| Renter Occupied HU | 161 (12.4%) |
| Vacant Housing Units | 288 (22.2%) |
| Median Home Value | $343,643 |
| Average Home Value | $444,268 |
Housing Distribution
Address Breakdown
Residential
440
Single Family
440
Multi-Family
0
Businesses
78
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices