81 Keegan CtKootenaiID83840
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 81 Keegan Ct, Kootenai, ID, 83840 in Kootenai is narrow, $165/mo net on $2,898/mo rent after the $2,136/mo debt service, but the property operates at break-even-plus, not a loss. At $475,000 with a 7.32% yield, the long-run equity case via 5% appreciation ($131,234 over five years) and $4,375/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.36 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $189,878.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.0% |
| Monthly Cash Flow | $165 | $300 |
City averages based on Kootenai market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,898 |
| Total Monthly Debt Service | $2,544 |
| DSCR Ratio | 1.14x |
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 2011
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83840, Kootenai, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 183 (100%) |
| Owner Occupied HU | 136 (74.3%) |
| Renter Occupied HU | 39 (21.3%) |
| Vacant Housing Units | 8 ( 4.4%) |
| Median Home Value | $386,486 |
| Average Home Value | $420,147 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
23
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 2011
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83840, Kootenai, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 183 (100%) |
| Owner Occupied HU | 136 (74.3%) |
| Renter Occupied HU | 39 (21.3%) |
| Vacant Housing Units | 8 ( 4.4%) |
| Median Home Value | $386,486 |
| Average Home Value | $420,147 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christopher K. Chambers • TOMLINSON SOTHEBY`S INTL. REAL
Mls Name: SELMLS
Mls Provider:
Mls ID: #20250534
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.