635 S 4th AvePocatelloID83201
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $299,900, 635 S 4th Ave, Pocatello, ID, 83201 in Pocatello generates $1,894/mo in rent (7.58% yield) but nets only $168/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.40) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $82,857. Total projected return: $123,991.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.8% |
| Monthly Cash Flow | $168 | $420 |
City averages based on Pocatello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,894 |
| Total Monthly Debt Service | $1,606 |
| DSCR Ratio | 1.18x |
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 1940
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83201, Pocatello, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,799 (100%) |
| Owner Occupied HU | 10,384 (61.8%) |
| Renter Occupied HU | 5,367 (31.9%) |
| Vacant Housing Units | 1,048 ( 6.2%) |
| Median Home Value | $346,799 |
| Average Home Value | $373,183 |
Housing Distribution
Address Breakdown
Residential
15,926
Single Family
14,778
Multi-Family
1,148
Businesses
1,282
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 1940
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83201, Pocatello, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,799 (100%) |
| Owner Occupied HU | 10,384 (61.8%) |
| Renter Occupied HU | 5,367 (31.9%) |
| Vacant Housing Units | 1,048 ( 6.2%) |
| Median Home Value | $346,799 |
| Average Home Value | $373,183 |
Housing Distribution
Address Breakdown
Residential
15,926
Single Family
14,778
Multi-Family
1,148
Businesses
1,282
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices