411 Louis LnSandpointID83864
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 411 Louis Ln, Sandpoint, ID, 83864 in Sandpoint at $639,000, 5.96% gross yield, is a market-growth asset. Rental yield 5.96%. The $3,175/mo rent partially funds the $2,873/mo debt service; the core return is the 5%/yr price growth projected to add $176,544 over five years. Ziffy Mortgage's DSCR mortgage (1.11) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $208,871.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 7.0% |
| Monthly Cash Flow | $(501) | $1,500 |
City averages based on Sandpoint market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,175 |
| Total Monthly Debt Service | $3,422 |
| DSCR Ratio | 0.93x |
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
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83864, Sandpoint, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,075 (100%) |
| Owner Occupied HU | 6,405 (57.8%) |
| Renter Occupied HU | 2,599 (23.5%) |
| Vacant Housing Units | 2,071 (18.7%) |
| Median Home Value | $569,571 |
| Average Home Value | $622,888 |
Housing Distribution
Address Breakdown
Residential
8,825
Single Family
8,203
Multi-Family
622
Businesses
1,302
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
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83864, Sandpoint, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,075 (100%) |
| Owner Occupied HU | 6,405 (57.8%) |
| Renter Occupied HU | 2,599 (23.5%) |
| Vacant Housing Units | 2,071 (18.7%) |
| Median Home Value | $569,571 |
| Average Home Value | $622,888 |
Housing Distribution
Address Breakdown
Residential
8,825
Single Family
8,203
Multi-Family
622
Businesses
1,302
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices