4610 Kelso Lake RdAtholID83801
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4610 Kelso Lake Rd, Athol, ID, 83801 in Athol worth study. Rental yield 2.15%. The 2.15% gross yield is below cash-flow benchmarks at $1,400,000, but 5% annual appreciation, adding $386,794 over five years, frames this as a capital growth position. Rent of $2,513/mo partially offsets the $6,295/mo payment. Ziffy Mortgage finances appreciation-play properties (0.40 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $171,675.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.2% | 8.0% |
| Monthly Cash Flow | $(5,541) | $1,000 |
City averages based on Athol market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,513 |
| Total Monthly Debt Service | $7,497 |
| DSCR Ratio | 0.34x |
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 1963
33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83801, Athol, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,370 (100%) |
| Owner Occupied HU | 2,855 (84.7%) |
| Renter Occupied HU | 269 ( 8.0%) |
| Vacant Housing Units | 246 ( 7.3%) |
| Median Home Value | $625,271 |
| Average Home Value | $676,141 |
Housing Distribution
Address Breakdown
Residential
2,819
Single Family
2,818
Multi-Family
1
Businesses
161
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 1963
33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83801, Athol, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,370 (100%) |
| Owner Occupied HU | 2,855 (84.7%) |
| Renter Occupied HU | 269 ( 8.0%) |
| Vacant Housing Units | 246 ( 7.3%) |
| Median Home Value | $625,271 |
| Average Home Value | $676,141 |
Housing Distribution
Address Breakdown
Residential
2,819
Single Family
2,818
Multi-Family
1
Businesses
161
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rain Silverhawk • SANDPOINT REALTY LLC
Mls Name: SELMLS
Mls Provider:
Mls ID: #20240421
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.