3921 Vista Ridge LnNew PlymouthID83655
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3921 Vista Ridge Ln, New Plymouth, ID, 83655 in New Plymouth. Rental yield 4.95%. At $615,000 with 4.95% gross yield, current distributions are modest, but the 5% appreciation rate projects $169,913 in new equity by year five, complemented by $5,664/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.92) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $166,550.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.5% |
| Monthly Cash Flow | $(1,020) | $350 |
City averages based on New Plymouth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,536 |
| Total Monthly Debt Service | $3,311 |
| 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 2018
2.56 Acres lot
$N/A/sqft
$210 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83655, New Plymouth, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,886 (100%) |
| Owner Occupied HU | 1,491 (79.1%) |
| Renter Occupied HU | 314 (16.6%) |
| Vacant Housing Units | 81 ( 4.3%) |
| Median Home Value | $402,951 |
| Average Home Value | $482,701 |
Housing Distribution
Address Breakdown
Residential
1,622
Single Family
1,622
Multi-Family
0
Businesses
97
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 2018
2.56 Acres lot
$N/A/sqft
$210 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83655, New Plymouth, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,886 (100%) |
| Owner Occupied HU | 1,491 (79.1%) |
| Renter Occupied HU | 314 (16.6%) |
| Vacant Housing Units | 81 ( 4.3%) |
| Median Home Value | $402,951 |
| Average Home Value | $482,701 |
Housing Distribution
Address Breakdown
Residential
1,622
Single Family
1,622
Multi-Family
0
Businesses
97
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices