484347 Highway 95SandpointID83864
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderNot flashy, but dependably profitable, 484347 Highway 95, Sandpoint, ID, 83864 in Sandpoint is listed at $499,000 and delivers $3,107/mo in rent and $408/mo in net monthly cash flow. The 7.88% yield and 1.31 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $137,865 over five years, and $4,183/yr in principal reduction supplements cash return. Total projected cumulative return: $194,067.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.0% |
| Monthly Cash Flow | $408 | $1,500 |
City averages based on Sandpoint market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,107 |
| Total Monthly Debt Service | $2,794 |
| DSCR Ratio | 1.11x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2003
1.11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83864, Sandpoint, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,075 (100%) |
| Owner Occupied HU | 6,405 (57.8%) |
| Renter Occupied HU | 2,599 (23.5%) |
| Vacant Housing Units | 2,071 (18.7%) |
| Median Home Value | $569,571 |
| Average Home Value | $622,888 |
Housing Distribution
Address Breakdown
Residential
8,825
Single Family
8,203
Multi-Family
622
Businesses
1,302
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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
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Nearby investment properties with comparable prices
Listed by: Tyler Wagner • KELLER WILLIAMS REALTY
Mls Name: SELMLS
Mls Provider:
Mls ID: #20250854
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.
