5081 E Smith DrIonaID83427
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 5081 E Smith Dr, Iona, ID, 83427 in Iona. At $522,600 it earns $3,487/mo in rent and distributes $472/mo to the owner after the $2,350/mo payment, a consistent 8.01% yield. DSCR 1.48 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $144,385 in value; $4,813/yr in principal paydown compounds ownership stake. Total projected return: $227,564.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 7.0% |
| Monthly Cash Flow | $472 | $300 |
City averages based on Iona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,487 |
| Total Monthly Debt Service | $2,808 |
| DSCR Ratio | 1.24x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2022
0.50 Acres lot
$N/A/sqft
$9 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83427, Iona, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 908 (100%) |
| Owner Occupied HU | 816 (89.9%) |
| Renter Occupied HU | 49 ( 5.4%) |
| Vacant Housing Units | 43 ( 4.7%) |
| Median Home Value | $464,141 |
| Average Home Value | $504,939 |
Housing Distribution
Address Breakdown
Residential
815
Single Family
815
Multi-Family
0
Businesses
66
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 2022
0.50 Acres lot
$N/A/sqft
$9 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83427, Iona, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 908 (100%) |
| Owner Occupied HU | 816 (89.9%) |
| Renter Occupied HU | 49 ( 5.4%) |
| Vacant Housing Units | 43 ( 4.7%) |
| Median Home Value | $464,141 |
| Average Home Value | $504,939 |
Housing Distribution
Address Breakdown
Residential
815
Single Family
815
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices