534 Terror Gulch RdOsburnID83849
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 534 Terror Gulch Rd, Osburn, ID, 83849 in Osburn worth study. Rental yield 0.79%. The 0.79% gross yield is below cash-flow benchmarks at $275,000, but 5% annual appreciation, adding $75,977 over five years, frames this as a capital growth position. Rent of $180/mo partially offsets the $1,237/mo payment. Ziffy Mortgage finances appreciation-play properties (0.15 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $13,515.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.8% | 6.2% |
| Monthly Cash Flow | $(1,402) | $350 |
City averages based on Osburn 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 | $180 |
| Total Monthly Debt Service | $1,473 |
| DSCR Ratio | 0.12x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 1997
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83849, Osburn, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 879 (100%) |
| Owner Occupied HU | 657 (74.7%) |
| Renter Occupied HU | 158 (18.0%) |
| Vacant Housing Units | 64 ( 7.3%) |
| Median Home Value | $255,531 |
| Average Home Value | $269,486 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
49
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 1997
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83849, Osburn, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 879 (100%) |
| Owner Occupied HU | 657 (74.7%) |
| Renter Occupied HU | 158 (18.0%) |
| Vacant Housing Units | 64 ( 7.3%) |
| Median Home Value | $255,531 |
| Average Home Value | $269,486 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices