445 S College StOakleyID83346
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 445 S College St, Oakley, ID, 83346 in Oakley: $2,756/mo in rent, $369/mo in net income, 7.97% gross yield, 1.48 DSCR, all at $415,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $114,657 in appreciation and $3,822/yr in principal paydown projects total cumulative return of $180,303.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 7.0% |
| Monthly Cash Flow | $369 | $300 |
City averages based on Oakley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,756 |
| Total Monthly Debt Service | $2,222 |
| DSCR Ratio | 1.24x |
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 2002
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83346, Oakley, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 548 (100%) |
| Owner Occupied HU | 375 (68.4%) |
| Renter Occupied HU | 110 (20.1%) |
| Vacant Housing Units | 63 (11.5%) |
| Median Home Value | $344,595 |
| Average Home Value | $343,900 |
Housing Distribution
Address Breakdown
Residential
384
Single Family
384
Multi-Family
0
Businesses
43
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 2002
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83346, Oakley, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 548 (100%) |
| Owner Occupied HU | 375 (68.4%) |
| Renter Occupied HU | 110 (20.1%) |
| Vacant Housing Units | 63 (11.5%) |
| Median Home Value | $344,595 |
| Average Home Value | $343,900 |
Housing Distribution
Address Breakdown
Residential
384
Single Family
384
Multi-Family
0
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices