391457 Highway 95PlummerID83851
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play391457 Highway 95, Plummer, ID, 83851 in Plummer is priced for appreciation, not yield. Rental yield 3.37%. At $759,000 with a 3.37% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $209,698 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.59) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $128,131.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.0% |
| Monthly Cash Flow | $(2,238) | $150 |
City averages based on Plummer market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,129 |
| Total Monthly Debt Service | $4,250 |
| DSCR Ratio | 0.50x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1997
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83851, Plummer, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 873 (100%) |
| Owner Occupied HU | 495 (56.7%) |
| Renter Occupied HU | 174 (19.9%) |
| Vacant Housing Units | 204 (23.4%) |
| Median Home Value | $378,972 |
| Average Home Value | $412,136 |
Housing Distribution
Address Breakdown
Residential
446
Single Family
431
Multi-Family
15
Businesses
74
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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
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