736 E Valley St SOldtownID83822
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7% yield at 736 E Valley St S, Oldtown, ID, 83822 in Oldtown is solid, but the $1,923/mo payment compresses net cash flow to $34/mo at $427,700. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $118,166 by year five, and $3,939/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.30) without U.S. income documentation. Total projected return: $163,594.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.0% |
| Monthly Cash Flow | $34 | $500 |
City averages based on Oldtown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,495 |
| Total Monthly Debt Service | $2,290 |
| DSCR Ratio | 1.09x |
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 2024
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83822, Oldtown, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,042 (100%) |
| Owner Occupied HU | 781 (75.0%) |
| Renter Occupied HU | 158 (15.2%) |
| Vacant Housing Units | 103 ( 9.9%) |
| Median Home Value | $395,161 |
| Average Home Value | $439,850 |
Housing Distribution
Address Breakdown
Residential
842
Single Family
842
Multi-Family
0
Businesses
48
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 2024
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83822, Oldtown, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,042 (100%) |
| Owner Occupied HU | 781 (75.0%) |
| Renter Occupied HU | 158 (15.2%) |
| Vacant Housing Units | 103 ( 9.9%) |
| Median Home Value | $395,161 |
| Average Home Value | $439,850 |
Housing Distribution
Address Breakdown
Residential
842
Single Family
842
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices