712 SW 4th StFruitlandID83619
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 712 SW 4th St, Fruitland, ID, 83619 in Fruitland: $2,888/mo in rent, $502/mo in net income, 8.35% gross yield, 1.55 DSCR, all at $414,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $114,629 in appreciation and $3,821/yr in principal paydown projects total cumulative return of $188,766.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.5% |
| Monthly Cash Flow | $502 | $200 |
City averages based on Fruitland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,888 |
| Total Monthly Debt Service | $2,222 |
| DSCR Ratio | 1.30x |
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 1962
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83619, Fruitland, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,687 (100%) |
| Owner Occupied HU | 2,685 (72.8%) |
| Renter Occupied HU | 828 (22.5%) |
| Vacant Housing Units | 174 ( 4.7%) |
| Median Home Value | $356,968 |
| Average Home Value | $368,828 |
Housing Distribution
Address Breakdown
Residential
3,485
Single Family
3,482
Multi-Family
3
Businesses
372
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 1962
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83619, Fruitland, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,687 (100%) |
| Owner Occupied HU | 2,685 (72.8%) |
| Renter Occupied HU | 828 (22.5%) |
| Vacant Housing Units | 174 ( 4.7%) |
| Median Home Value | $356,968 |
| Average Home Value | $368,828 |
Housing Distribution
Address Breakdown
Residential
3,485
Single Family
3,482
Multi-Family
3
Businesses
372
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices