4775 Ponderosa Pine Scenic BywyIdaho CityID83631
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 0.59% gross rental yield, 4775 Ponderosa Pine Scenic Bywy, Idaho City, ID, 83631 in Idaho City is priced for capital growth, not immediate cash flow. The $970,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $267,993 by year five, with $8,934/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.11) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $37,771.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.6% | 6.0% |
| Monthly Cash Flow | $(5,100) | $400 |
City averages based on Idaho City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $480 |
| Total Monthly Debt Service | $5,194 |
| DSCR Ratio | 0.09x |
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 1929
1.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83631, Idaho City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 834 (100%) |
| Owner Occupied HU | 452 (54.2%) |
| Renter Occupied HU | 92 (11.0%) |
| Vacant Housing Units | 290 (34.8%) |
| Median Home Value | $506,881 |
| Average Home Value | $550,597 |
Housing Distribution
Address Breakdown
Residential
324
Single Family
324
Multi-Family
0
Businesses
68
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 1929
1.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83631, Idaho City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 834 (100%) |
| Owner Occupied HU | 452 (54.2%) |
| Renter Occupied HU | 92 (11.0%) |
| Vacant Housing Units | 290 (34.8%) |
| Median Home Value | $506,881 |
| Average Home Value | $550,597 |
Housing Distribution
Address Breakdown
Residential
324
Single Family
324
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Vedad Kobic • Point Realty LLC
Mls Name: IMLS
Mls ID: #98960653