514 8th StKamiahID83536
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 514 8th St, Kamiah, ID, 83536 in Kamiah at $259,000 earns $1,688/mo in rent and nets $198/mo after the $1,165/mo payment, a 7.82% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $71,557 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $2,385/yr in principal paydown, total projected return reaches $110,453.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $198 | $250 |
City averages based on Kamiah market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,688 |
| Total Monthly Debt Service | $1,387 |
| DSCR Ratio | 1.22x |
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.
Manufactured
Built in 1994
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83536, Kamiah, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,219 (100%) |
| Owner Occupied HU | 1,417 (63.9%) |
| Renter Occupied HU | 455 (20.5%) |
| Vacant Housing Units | 347 (15.6%) |
| Median Home Value | $351,286 |
| Average Home Value | $401,104 |
Housing Distribution
Address Breakdown
Residential
1,347
Single Family
1,300
Multi-Family
47
Businesses
146
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
Manufactured
Built in 1994
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83536, Kamiah, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,219 (100%) |
| Owner Occupied HU | 1,417 (63.9%) |
| Renter Occupied HU | 455 (20.5%) |
| Vacant Housing Units | 347 (15.6%) |
| Median Home Value | $351,286 |
| Average Home Value | $401,104 |
Housing Distribution
Address Breakdown
Residential
1,347
Single Family
1,300
Multi-Family
47
Businesses
146
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Clinton Engledow • Idaho Country Properties
Mls Name: IMLS
Mls Provider:
Mls ID: #98940181
Disclaimer: IDX information is provided exclusively for consumers personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IMLS does not assume any liability for missing or inaccurate data. Information provided by IMLS is deemed reliable but not guaranteed.