8419 N Cloverleaf DrHayden LakeID83835
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 8419 N Cloverleaf Dr, Hayden Lake, ID, 83835 in Hayden Lake is narrow, $93/mo net on $3,343/mo rent after the $2,541/mo debt service, but the property operates at break-even-plus, not a loss. At $565,000 with a 7.1% yield, the long-run equity case via 5% appreciation ($156,099 over five years) and $5,204/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.32 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $219,143.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $93 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,343 |
| Total Monthly Debt Service | $3,026 |
| DSCR Ratio | 1.10x |
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 1997
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83835, Hayden, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,959 (100%) |
| Owner Occupied HU | 8,303 (75.8%) |
| Renter Occupied HU | 1,761 (16.1%) |
| Vacant Housing Units | 895 ( 8.2%) |
| Median Home Value | $634,951 |
| Average Home Value | $703,881 |
Housing Distribution
Address Breakdown
Residential
10,052
Single Family
9,835
Multi-Family
217
Businesses
1,383
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 1997
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83835, Hayden, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,959 (100%) |
| Owner Occupied HU | 8,303 (75.8%) |
| Renter Occupied HU | 1,761 (16.1%) |
| Vacant Housing Units | 895 ( 8.2%) |
| Median Home Value | $634,951 |
| Average Home Value | $703,881 |
Housing Distribution
Address Breakdown
Residential
10,052
Single Family
9,835
Multi-Family
217
Businesses
1,383
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Paul Reizen • PUREWEST REAL ESTATE
Mls Name: SELMLS
Mls ID: #20252586