374 3rd StFerdinandID83526
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 374 3rd St, Ferdinand, ID, 83526 in Ferdinand earns a 8.29% gross yield at $180,000. Rent of $1,243/mo nets $208/mo after the $809/mo mortgage. The 1.54 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $49,731 and $1,658/yr in equity accumulation project a total cumulative return of $81,319.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 8.0% |
| Monthly Cash Flow | $208 | $1,200 |
City averages based on Ferdinand market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,243 |
| Total Monthly Debt Service | $964 |
| DSCR Ratio | 1.29x |
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.
Single Family
Built in 1940
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83526, Ferdinand, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 130 (100%) |
| Owner Occupied HU | 96 (73.8%) |
| Renter Occupied HU | 11 ( 8.5%) |
| Vacant Housing Units | 23 (17.7%) |
| Median Home Value | $415,385 |
| Average Home Value | $468,073 |
Housing Distribution
Address Breakdown
Residential
26
Single Family
26
Multi-Family
0
Businesses
12
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 1940
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83526, Ferdinand, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 130 (100%) |
| Owner Occupied HU | 96 (73.8%) |
| Renter Occupied HU | 11 ( 8.5%) |
| Vacant Housing Units | 23 (17.7%) |
| Median Home Value | $415,385 |
| Average Home Value | $468,073 |
Housing Distribution
Address Breakdown
Residential
26
Single Family
26
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices