540 N 4th St UNIT 4AshtonID83420
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 540 N 4th St UNIT 4, Ashton, ID, 83420 in Ashton at $305,900. Rental yield 6.57%. The 6.57% yield and 1.22 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $84,515 by year five, and $2,817/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $109,894.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.0% |
| Monthly Cash Flow | $(86) | $300 |
City averages based on Ashton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,674 |
| Total Monthly Debt Service | $1,638 |
| DSCR Ratio | 1.02x |
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.
Townhouse
Built in 2023
1,176 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83420, Ashton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,299 (100%) |
| Owner Occupied HU | 850 (65.4%) |
| Renter Occupied HU | 161 (12.4%) |
| Vacant Housing Units | 288 (22.2%) |
| Median Home Value | $343,643 |
| Average Home Value | $444,268 |
Housing Distribution
Address Breakdown
Residential
440
Single Family
440
Multi-Family
0
Businesses
78
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
Townhouse
Built in 2023
1,176 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83420, Ashton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,299 (100%) |
| Owner Occupied HU | 850 (65.4%) |
| Renter Occupied HU | 161 (12.4%) |
| Vacant Housing Units | 288 (22.2%) |
| Median Home Value | $343,643 |
| Average Home Value | $444,268 |
Housing Distribution
Address Breakdown
Residential
440
Single Family
440
Multi-Family
0
Businesses
78
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices