400 Lone Oak Street Block #4-lot 15MiddletonID83644
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 400 Lone Oak Street Block #4-lot 15, Middleton, ID, 83644 in Middleton. Priced at $389,990, it generates $3,298/mo in gross rent and $996/mo in net monthly cash flow, a 10.15% yield that comfortably supports the 1.88 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,953. Five-year appreciation: $107,747. Equity from principal paydown: $3,592/yr. Total projected cumulative return: $215,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 4.9% |
| Monthly Cash Flow | $996 | $285 |
City averages based on Middleton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,298 |
| Total Monthly Debt Service | $2,088 |
| DSCR Ratio | 1.58x |
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 2026
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83644, Middleton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,229 (100%) |
| Owner Occupied HU | 5,399 (86.7%) |
| Renter Occupied HU | 663 (10.6%) |
| Vacant Housing Units | 167 ( 2.7%) |
| Median Home Value | $515,674 |
| Average Home Value | $575,974 |
Housing Distribution
Address Breakdown
Residential
5,695
Single Family
5,695
Multi-Family
0
Businesses
300
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 2026
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83644, Middleton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,229 (100%) |
| Owner Occupied HU | 5,399 (86.7%) |
| Renter Occupied HU | 663 (10.6%) |
| Vacant Housing Units | 167 ( 2.7%) |
| Median Home Value | $515,674 |
| Average Home Value | $575,974 |
Housing Distribution
Address Breakdown
Residential
5,695
Single Family
5,695
Multi-Family
0
Businesses
300
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices