563 Oak AvePonderayID83852
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.35% yield at 563 Oak Ave, Ponderay, ID, 83852 in Ponderay is solid, but the $1,349/mo payment compresses net cash flow to $110/mo at $299,950. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $82,871 by year five, and $2,763/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.36) without U.S. income documentation. Total projected return: $120,288.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 7.0% |
| Monthly Cash Flow | $110 | $900 |
City averages based on Ponderay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,836 |
| Total Monthly Debt Service | $1,606 |
| DSCR Ratio | 1.14x |
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 2015
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83852, Ponderay, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 751 (100%) |
| Owner Occupied HU | 377 (50.2%) |
| Renter Occupied HU | 320 (42.6%) |
| Vacant Housing Units | 54 ( 7.2%) |
| Median Home Value | $416,447 |
| Average Home Value | $475,338 |
Housing Distribution
Address Breakdown
Residential
551
Single Family
455
Multi-Family
96
Businesses
287
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 2015
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83852, Ponderay, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 751 (100%) |
| Owner Occupied HU | 377 (50.2%) |
| Renter Occupied HU | 320 (42.6%) |
| Vacant Housing Units | 54 ( 7.2%) |
| Median Home Value | $416,447 |
| Average Home Value | $475,338 |
Housing Distribution
Address Breakdown
Residential
551
Single Family
455
Multi-Family
96
Businesses
287
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices