640 N Johnson AvePocatelloID83204
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 640 N Johnson Ave, Pocatello, ID, 83204 in Pocatello: $1,079/mo in rent, $273/mo in net income, 9.25% gross yield, 1.71 DSCR, all at $140,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $38,679 in appreciation and $1,289/yr in principal paydown projects total cumulative return of $70,404.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 5.8% |
| Monthly Cash Flow | $273 | $420 |
City averages based on Pocatello market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,079 |
| Total Monthly Debt Service | $750 |
| DSCR Ratio | 1.44x |
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 1920
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83204, Pocatello, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,167 (100%) |
| Owner Occupied HU | 5,217 (63.9%) |
| Renter Occupied HU | 2,471 (30.3%) |
| Vacant Housing Units | 479 ( 5.9%) |
| Median Home Value | $352,030 |
| Average Home Value | $376,337 |
Housing Distribution
Address Breakdown
Residential
7,666
Single Family
7,071
Multi-Family
595
Businesses
581
Nearby investment properties with comparable rents
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 1920
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83204, Pocatello, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,167 (100%) |
| Owner Occupied HU | 5,217 (63.9%) |
| Renter Occupied HU | 2,471 (30.3%) |
| Vacant Housing Units | 479 ( 5.9%) |
| Median Home Value | $352,030 |
| Average Home Value | $376,337 |
Housing Distribution
Address Breakdown
Residential
7,666
Single Family
7,071
Multi-Family
595
Businesses
581
Nearby investment properties with comparable rents