6540 E Lucy DrEagleID83629
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 6540 E Lucy Dr, Eagle, ID, 83629 in Eagle at $559,880, 4.24% gross yield, is a market-growth asset. Rental yield 4.24%. The $1,980/mo rent partially funds the $2,518/mo debt service; the core return is the 5%/yr price growth projected to add $154,685 over five years. Ziffy Mortgage's DSCR mortgage (0.79) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $131,374.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 4.5% |
| Monthly Cash Flow | $(1,378) | $2,850 |
City averages based on Eagle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $2,998 |
| DSCR Ratio | 0.66x |
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 2025
4,922 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83629, Horseshoe Bend, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 983 (100%) |
| Owner Occupied HU | 663 (67.4%) |
| Renter Occupied HU | 133 (13.5%) |
| Vacant Housing Units | 187 (19.0%) |
| Median Home Value | $572,977 |
| Average Home Value | $651,927 |
Housing Distribution
Address Breakdown
Residential
740
Single Family
740
Multi-Family
0
Businesses
82
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 2025
4,922 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83629, Horseshoe Bend, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 983 (100%) |
| Owner Occupied HU | 663 (67.4%) |
| Renter Occupied HU | 133 (13.5%) |
| Vacant Housing Units | 187 (19.0%) |
| Median Home Value | $572,977 |
| Average Home Value | $651,927 |
Housing Distribution
Address Breakdown
Residential
740
Single Family
740
Multi-Family
0
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices