676 S Idaho AveSugar CityID83448
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 676 S Idaho Ave, Sugar City, ID, 83448 in Sugar City. At $480,000 it earns $2,994/mo in rent and distributes $233/mo to the owner after the $2,158/mo payment, a consistent 7.49% yield. DSCR 1.39 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $132,615 in value; $4,421/yr in principal paydown compounds ownership stake. Total projected return: $196,091.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $233 | $300 |
City averages based on Sugar City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,994 |
| Total Monthly Debt Service | $2,570 |
| DSCR Ratio | 1.16x |
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.
Multi Family
Built in 2026
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83448, Sugar City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,049 (100%) |
| Owner Occupied HU | 797 (76.0%) |
| Renter Occupied HU | 188 (17.9%) |
| Vacant Housing Units | 64 ( 6.1%) |
| Median Home Value | $456,510 |
| Average Home Value | $509,178 |
Housing Distribution
Address Breakdown
Residential
848
Single Family
848
Multi-Family
0
Businesses
95
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
Multi Family
Built in 2026
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83448, Sugar City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,049 (100%) |
| Owner Occupied HU | 797 (76.0%) |
| Renter Occupied HU | 188 (17.9%) |
| Vacant Housing Units | 64 ( 6.1%) |
| Median Home Value | $456,510 |
| Average Home Value | $509,178 |
Housing Distribution
Address Breakdown
Residential
848
Single Family
848
Multi-Family
0
Businesses
95
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan Lerwill • Keller Williams Realty East Idaho
Mls Name: SRMLS
Mls ID: #2182082