455 S 2 EMountain HomeID83647
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 455 S 2 E, Mountain Home, ID, 83647 in Mountain Home speaks for itself: 10.96% gross on a $289,000 price, generating $2,640/mo in rent and $977/mo in net income after the $1,300/mo debt service. DSCR 2.03, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,729 stacks alongside $79,845 in projected five-year appreciation and $2,662/yr in principal reduction. Projected total cumulative return: $171,892.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $977 | $450 |
City averages based on Mountain Home market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,640 |
| Total Monthly Debt Service | $1,548 |
| DSCR Ratio | 1.71x |
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 1950
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83647, Mountain Home, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,208 (100%) |
| Owner Occupied HU | 6,396 (62.7%) |
| Renter Occupied HU | 2,815 (27.6%) |
| Vacant Housing Units | 997 ( 9.8%) |
| Median Home Value | $345,693 |
| Average Home Value | $377,244 |
Housing Distribution
Address Breakdown
Residential
9,201
Single Family
9,171
Multi-Family
30
Businesses
632
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 1950
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83647, Mountain Home, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,208 (100%) |
| Owner Occupied HU | 6,396 (62.7%) |
| Renter Occupied HU | 2,815 (27.6%) |
| Vacant Housing Units | 997 ( 9.8%) |
| Median Home Value | $345,693 |
| Average Home Value | $377,244 |
Housing Distribution
Address Breakdown
Residential
9,201
Single Family
9,171
Multi-Family
30
Businesses
632
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: IMLS
Mls ID: #98976533