412 Walnut StNezperceID83543
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder412 Walnut St, Nezperce, ID, 83543 in Nezperce earns a respectable 7.24% gross yield at $225,000, but after the $1,012/mo mortgage the net cash flow is $64/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.34) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $62,163 over five years, making equity the dominant return driver. Total projected return: $88,980.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.0% |
| Monthly Cash Flow | $64 | $300 |
City averages based on Nezperce market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,358 |
| Total Monthly Debt Service | $1,205 |
| DSCR Ratio | 1.13x |
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 1922
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83543, Nezperce, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 337 (100%) |
| Owner Occupied HU | 238 (70.6%) |
| Renter Occupied HU | 59 (17.5%) |
| Vacant Housing Units | 40 (11.9%) |
| Median Home Value | $245,349 |
| Average Home Value | $387,658 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
92
Multi-Family
0
Businesses
35
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 1922
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83543, Nezperce, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 337 (100%) |
| Owner Occupied HU | 238 (70.6%) |
| Renter Occupied HU | 59 (17.5%) |
| Vacant Housing Units | 40 (11.9%) |
| Median Home Value | $245,349 |
| Average Home Value | $387,658 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
92
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices