3894 E Elm LnRigbyID83442
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 3894 E Elm Ln, Rigby, ID, 83442 in Rigby at $350,000 earns $2,160/mo in rent and nets $27/mo after the $1,574/mo payment, a 7.41% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $96,699 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $3,224/yr in principal paydown, total projected return reaches $141,499.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.1% |
| Monthly Cash Flow | $27 | $420 |
City averages based on Rigby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $1,874 |
| DSCR Ratio | 1.15x |
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 2009
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83442, Rigby, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,675 (100%) |
| Owner Occupied HU | 7,027 (81.0%) |
| Renter Occupied HU | 1,216 (14.0%) |
| Vacant Housing Units | 432 ( 5.0%) |
| Median Home Value | $451,652 |
| Average Home Value | $461,068 |
Housing Distribution
Address Breakdown
Residential
7,953
Single Family
7,868
Multi-Family
85
Businesses
471
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 2009
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83442, Rigby, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,675 (100%) |
| Owner Occupied HU | 7,027 (81.0%) |
| Renter Occupied HU | 1,216 (14.0%) |
| Vacant Housing Units | 432 ( 5.0%) |
| Median Home Value | $451,652 |
| Average Home Value | $461,068 |
Housing Distribution
Address Breakdown
Residential
7,953
Single Family
7,868
Multi-Family
85
Businesses
471
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices