76 Cobb RdSaint MariesID83861
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 76 Cobb Rd, Saint Maries, ID, 83861 in Saint Maries. At $190,000 it earns $1,538/mo in rent and distributes $445/mo to the owner after the $854/mo payment, a consistent 9.72% yield. DSCR 1.80 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $52,494 in value; $1,750/yr in principal paydown compounds ownership stake. Total projected return: $100,347.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.0% |
| Monthly Cash Flow | $445 | $300 |
City averages based on Saint Maries market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,538 |
| Total Monthly Debt Service | $1,017 |
| DSCR Ratio | 1.51x |
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.
Manufactured
Built in 1972
7 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83861, Saint Maries, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,736 (100%) |
| Owner Occupied HU | 2,588 (69.3%) |
| Renter Occupied HU | 617 (16.5%) |
| Vacant Housing Units | 531 (14.2%) |
| Median Home Value | $361,358 |
| Average Home Value | $459,228 |
Housing Distribution
Address Breakdown
Residential
2,955
Single Family
2,874
Multi-Family
81
Businesses
315
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
Manufactured
Built in 1972
7 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83861, Saint Maries, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,736 (100%) |
| Owner Occupied HU | 2,588 (69.3%) |
| Renter Occupied HU | 617 (16.5%) |
| Vacant Housing Units | 531 (14.2%) |
| Median Home Value | $361,358 |
| Average Home Value | $459,228 |
Housing Distribution
Address Breakdown
Residential
2,955
Single Family
2,874
Multi-Family
81
Businesses
315
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alexis Cobb • St Maries Realty
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #24-9353
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.