774 Stoney Brook LnClark ForkID83811
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.54% gross rental yield, 774 Stoney Brook Ln, Clark Fork, ID, 83811 in Clark Fork is priced for capital growth, not immediate cash flow. The $750,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $207,211 by year five, with $6,908/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.47) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $107,440.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.0% |
| Monthly Cash Flow | $(2,728) | $300 |
City averages based on Clark Fork market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,586 |
| Total Monthly Debt Service | $4,016 |
| DSCR Ratio | 0.39x |
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 1996
6.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83811, Clark Fork, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,034 (100%) |
| Owner Occupied HU | 580 (56.1%) |
| Renter Occupied HU | 125 (12.1%) |
| Vacant Housing Units | 329 (31.8%) |
| Median Home Value | $289,474 |
| Average Home Value | $427,767 |
Housing Distribution
Address Breakdown
Residential
375
Single Family
375
Multi-Family
0
Businesses
36
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 1996
6.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83811, Clark Fork, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,034 (100%) |
| Owner Occupied HU | 580 (56.1%) |
| Renter Occupied HU | 125 (12.1%) |
| Vacant Housing Units | 329 (31.8%) |
| Median Home Value | $289,474 |
| Average Home Value | $427,767 |
Housing Distribution
Address Breakdown
Residential
375
Single Family
375
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cynthia Nikssarian • RE/MAX CENTENNIAL
Mls Name: SELMLS
Mls Provider:
Mls ID: #20250633
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