6540 E Lucy DrEagleID83714
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 6540 E Lucy Dr, Eagle, ID, 83714 in Eagle. Rental yield 5.65%. At $559,880 with 5.65% gross yield, current distributions are modest, but the 5% appreciation rate projects $154,685 in new equity by year five, complemented by $5,157/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.05) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $173,470.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 4.5% |
| Monthly Cash Flow | $(587) | $2,850 |
City averages based on Eagle 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 | $2,634 |
| Total Monthly Debt Service | $2,998 |
| DSCR Ratio | 0.88x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83714, Garden City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,610 (100%) |
| Owner Occupied HU | 9,078 (66.7%) |
| Renter Occupied HU | 3,891 (28.6%) |
| Vacant Housing Units | 641 ( 4.7%) |
| Median Home Value | $600,765 |
| Average Home Value | $659,634 |
Housing Distribution
Address Breakdown
Residential
13,026
Single Family
10,186
Multi-Family
2,840
Businesses
1,431
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83714, Garden City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,610 (100%) |
| Owner Occupied HU | 9,078 (66.7%) |
| Renter Occupied HU | 3,891 (28.6%) |
| Vacant Housing Units | 641 ( 4.7%) |
| Median Home Value | $600,765 |
| Average Home Value | $659,634 |
Housing Distribution
Address Breakdown
Residential
13,026
Single Family
10,186
Multi-Family
2,840
Businesses
1,431
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
