69 River Ranch RdGarden ValleyID83622
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 69 River Ranch Rd, Garden Valley, ID, 83622 in Garden Valley worth study. Rental yield 2.26%. The 2.26% gross yield is below cash-flow benchmarks at $1,025,000, but 5% annual appreciation, adding $283,189 over five years, frames this as a capital growth position. Rent of $1,932/mo partially offsets the $4,609/mo payment. Ziffy Mortgage finances appreciation-play properties (0.42 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $131,635.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 6.2% |
| Monthly Cash Flow | $(3,998) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,932 |
| Total Monthly Debt Service | $5,489 |
| DSCR Ratio | 0.35x |
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 1920
4.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83622, Garden Valley, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,868 (100%) |
| Owner Occupied HU | 883 (47.3%) |
| Renter Occupied HU | 115 ( 6.2%) |
| Vacant Housing Units | 870 (46.6%) |
| Median Home Value | $565,494 |
| Average Home Value | $584,258 |
Housing Distribution
Address Breakdown
Residential
931
Single Family
931
Multi-Family
0
Businesses
95
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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 1920
4.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83622, Garden Valley, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,868 (100%) |
| Owner Occupied HU | 883 (47.3%) |
| Renter Occupied HU | 115 ( 6.2%) |
| Vacant Housing Units | 870 (46.6%) |
| Median Home Value | $565,494 |
| Average Home Value | $584,258 |
Housing Distribution
Address Breakdown
Residential
931
Single Family
931
Multi-Family
0
Businesses
95
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: IMLS
Mls ID: #98977138