55 Sands Ct #8Saint CharlesID83272
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 55 Sands Ct #8, Saint Charles, ID, 83272 in Saint Charles is capital appreciation. Rental yield 1.32%. The 1.32% gross yield at $1,285,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $355,022 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.25) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $99,268.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.3% | 6.0% |
| Monthly Cash Flow | $(5,993) | $300 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,417 |
| Total Monthly Debt Service | $6,899 |
| DSCR Ratio | 0.21x |
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.
Single Family
Built in 2015
10,454 sqft lot
$N/A/sqft
$210 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83272, Saint Charles, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 334 (100%) |
| Owner Occupied HU | 87 (26.0%) |
| Renter Occupied HU | 9 ( 2.7%) |
| Vacant Housing Units | 238 (71.3%) |
| Median Home Value | $445,833 |
| Average Home Value | $543,247 |
Housing Distribution
Address Breakdown
Residential
4
Single Family
4
Multi-Family
0
Businesses
16
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 2015
10,454 sqft lot
$N/A/sqft
$210 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83272, Saint Charles, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 334 (100%) |
| Owner Occupied HU | 87 (26.0%) |
| Renter Occupied HU | 9 ( 2.7%) |
| Vacant Housing Units | 238 (71.3%) |
| Median Home Value | $445,833 |
| Average Home Value | $543,247 |
Housing Distribution
Address Breakdown
Residential
4
Single Family
4
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cindy McLaughlin • Town & Country Realty Bear Lake, Inc
Mls Name: UtahRealEstate.com
Mls Provider:
Mls ID: #2080198
Disclaimer: Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of 2025-04-29 10:40:14 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or the MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. [Click here for more information](/mls-disclaimers/#319)