370 W 12 S #28Mountain HomeID83647
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 370 W 12 S #28, Mountain Home, ID, 83647 in Mountain Home hard to pass up. The 18.43% gross yield on a $125,000 purchase results in $1,920/mo in rent and $1,201/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (3.42). Annual cash flow of $14,411, five-year appreciation of $34,535, and $1,151/yr in equity build-up combine for a projected total cumulative return of $124,459.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.4% | 6.2% |
| Monthly Cash Flow | $1,201 | $450 |
City averages based on Mountain Home market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,920 |
| Total Monthly Debt Service | $669 |
| DSCR Ratio | 2.87x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Manufactured
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83647, Mountain Home, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,208 (100%) |
| Owner Occupied HU | 6,396 (62.7%) |
| Renter Occupied HU | 2,815 (27.6%) |
| Vacant Housing Units | 997 ( 9.8%) |
| Median Home Value | $345,693 |
| Average Home Value | $377,244 |
Housing Distribution
Address Breakdown
Residential
9,201
Single Family
9,171
Multi-Family
30
Businesses
632
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
Manufactured
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83647, Mountain Home, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,208 (100%) |
| Owner Occupied HU | 6,396 (62.7%) |
| Renter Occupied HU | 2,815 (27.6%) |
| Vacant Housing Units | 997 ( 9.8%) |
| Median Home Value | $345,693 |
| Average Home Value | $377,244 |
Housing Distribution
Address Breakdown
Residential
9,201
Single Family
9,171
Multi-Family
30
Businesses
632
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices