522 Clay StMontpelierID83254
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 522 Clay St, Montpelier, ID, 83254 in Montpelier at $239,500 earns $1,440/mo in rent and nets $62/mo after the $1,077/mo payment, a 7.22% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $66,169 over five years. Ziffy Mortgage underwrites this on a 1.34 DSCR without U.S. credit history. With $2,206/yr in principal paydown, total projected return reaches $94,390.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $62 | $200 |
City averages based on Montpelier market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $1,283 |
| DSCR Ratio | 1.12x |
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 1944
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83254, Montpelier, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,937 (100%) |
| Owner Occupied HU | 1,340 (69.2%) |
| Renter Occupied HU | 321 (16.6%) |
| Vacant Housing Units | 276 (14.2%) |
| Median Home Value | $283,088 |
| Average Home Value | $331,377 |
Housing Distribution
Address Breakdown
Residential
1,568
Single Family
1,494
Multi-Family
74
Businesses
180
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 1944
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83254, Montpelier, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,937 (100%) |
| Owner Occupied HU | 1,340 (69.2%) |
| Renter Occupied HU | 321 (16.6%) |
| Vacant Housing Units | 276 (14.2%) |
| Median Home Value | $283,088 |
| Average Home Value | $331,377 |
Housing Distribution
Address Breakdown
Residential
1,568
Single Family
1,494
Multi-Family
74
Businesses
180
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brittonie King • Century 21 High Desert
Mls Name: SRMLS
Mls ID: #2179080