598 N Gray DrKing HillID83633
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 598 N Gray Dr, King Hill, ID, 83633 in King Hill is capital appreciation. Rental yield 4.55%. The 4.55% gross yield at $380,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $104,987 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.84) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $95,346.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.0% |
| Monthly Cash Flow | $(746) | $1,200 |
City averages based on King Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $2,035 |
| DSCR Ratio | 0.71x |
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 1974
4.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83633, King Hill, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 239 (100%) |
| Owner Occupied HU | 150 (62.8%) |
| Renter Occupied HU | 51 (21.3%) |
| Vacant Housing Units | 38 (15.9%) |
| Median Home Value | $553,571 |
| Average Home Value | $581,617 |
Housing Distribution
Address Breakdown
Residential
158
Single Family
158
Multi-Family
0
Businesses
6
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 1974
4.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83633, King Hill, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 239 (100%) |
| Owner Occupied HU | 150 (62.8%) |
| Renter Occupied HU | 51 (21.3%) |
| Vacant Housing Units | 38 (15.9%) |
| Median Home Value | $553,571 |
| Average Home Value | $581,617 |
Housing Distribution
Address Breakdown
Residential
158
Single Family
158
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices