801 Park StDearyID83823
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play801 Park St, Deary, ID, 83823 in Deary is priced for appreciation, not yield. Rental yield 5.93%. At $329,000 with a 5.93% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $90,897 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.10) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $107,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 7.0% |
| Monthly Cash Flow | $(267) | $400 |
City averages based on Deary market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,626 |
| Total Monthly Debt Service | $1,762 |
| DSCR Ratio | 0.92x |
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.
Manufactured
Built in 1999
0.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83823, Deary, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 648 (100%) |
| Owner Occupied HU | 498 (76.9%) |
| Renter Occupied HU | 76 (11.7%) |
| Vacant Housing Units | 74 (11.4%) |
| Median Home Value | $522,843 |
| Average Home Value | $548,499 |
Housing Distribution
Address Breakdown
Residential
412
Single Family
412
Multi-Family
0
Businesses
39
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 1999
0.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83823, Deary, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 648 (100%) |
| Owner Occupied HU | 498 (76.9%) |
| Renter Occupied HU | 76 (11.7%) |
| Vacant Housing Units | 74 (11.4%) |
| Median Home Value | $522,843 |
| Average Home Value | $548,499 |
Housing Distribution
Address Breakdown
Residential
412
Single Family
412
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices