496010 Us Highway 95SagleID83860
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 496010 Us Highway 95, Sagle, ID, 83860 in Sagle achieves a 1.62 ratio at $119,900: $920/mo rent versus $568/mo debt service. Rental yield 9.21%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.21% yield compounds alongside 5% annual appreciation projecting $33,126 in value. Total projected cumulative return: $35,559.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.0% |
| Monthly Cash Flow | $(142) | $300 |
City averages based on Sagle 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 | $920 |
| Total Monthly Debt Service | $1,043 |
| DSCR Ratio | 0.88x |
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.
Manufactured
Built in 1999
2,813 sqft lot
$N/A/sqft
$372 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83860, Sagle, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,343 (100%) |
| Owner Occupied HU | 2,845 (65.5%) |
| Renter Occupied HU | 425 ( 9.8%) |
| Vacant Housing Units | 1,073 (24.7%) |
| Median Home Value | $665,222 |
| Average Home Value | $718,764 |
Housing Distribution
Address Breakdown
Residential
3,153
Single Family
3,152
Multi-Family
1
Businesses
119
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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: Jeffrie Halligan • Epique Realty
Mls Name: SELMLS
Mls Provider:
Mls ID: #20250629
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.
