488988 Highway 95SandpointID83864
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.44% gross rental yield, 488988 Highway 95, Sandpoint, ID, 83864 in Sandpoint is priced for capital growth, not immediate cash flow. The $749,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $206,935 by year five, with $6,279/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.78) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $169,613.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 7.0% |
| Monthly Cash Flow | $(1,537) | $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 | $2,772 |
| Total Monthly Debt Service | $4,194 |
| DSCR Ratio | 0.66x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2019
10.80 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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