5730 W Maine StSpirit LakeID83869
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 5730 W Maine St, Spirit Lake, ID, 83869 in Spirit Lake, $410,000, 7.42% gross yield, $176/mo net income. Consider it a market-entry position, the $2,534/mo rent covers the $1,844/mo payment with a margin, and 5%/yr appreciation is projected to add $113,275 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.37) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $165,989.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $176 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,534 |
| Total Monthly Debt Service | $2,196 |
| DSCR Ratio | 1.15x |
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 2017
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83869, Spirit Lake, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,565 (100%) |
| Owner Occupied HU | 1,892 (73.8%) |
| Renter Occupied HU | 230 ( 9.0%) |
| Vacant Housing Units | 443 (17.3%) |
| Median Home Value | $494,045 |
| Average Home Value | $591,882 |
Housing Distribution
Address Breakdown
Residential
1,400
Single Family
1,399
Multi-Family
1
Businesses
114
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 2017
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83869, Spirit Lake, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,565 (100%) |
| Owner Occupied HU | 1,892 (73.8%) |
| Renter Occupied HU | 230 ( 9.0%) |
| Vacant Housing Units | 443 (17.3%) |
| Median Home Value | $494,045 |
| Average Home Value | $591,882 |
Housing Distribution
Address Breakdown
Residential
1,400
Single Family
1,399
Multi-Family
1
Businesses
114
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christine Brochier • John L. Scott
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #25-5041
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.