628 McBaine RdOsburnID83849
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 628 McBaine Rd, Osburn, ID, 83849 in Osburn fits: $269,999, 5.52% gross yield, and a projected 5% annual appreciation rate adding $74,596 in value within five years. Rental yield 5.52%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.02) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,487/yr in principal paydown and $74,596 in appreciation project a total return of $81,869.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(311) | $350 |
City averages based on Osburn market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,242 |
| Total Monthly Debt Service | $1,446 |
| DSCR Ratio | 0.86x |
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.
Manufactured
Built in 1991
3.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83849, Osburn, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 879 (100%) |
| Owner Occupied HU | 657 (74.7%) |
| Renter Occupied HU | 158 (18.0%) |
| Vacant Housing Units | 64 ( 7.3%) |
| Median Home Value | $255,531 |
| Average Home Value | $269,486 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
49
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 1991
3.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83849, Osburn, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 879 (100%) |
| Owner Occupied HU | 657 (74.7%) |
| Renter Occupied HU | 158 (18.0%) |
| Vacant Housing Units | 64 ( 7.3%) |
| Median Home Value | $255,531 |
| Average Home Value | $269,486 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sarah Murphy • Local Real Estate
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #25-218
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.