8523 W Happy Valley DrMeridianID83646
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 8523 W Happy Valley Dr, Meridian, ID, 83646 in Meridian is capital appreciation. Rental yield 4.12%. The 4.12% gross yield at $942,800 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $260,478 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.76) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $208,935.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 5.5% |
| Monthly Cash Flow | $(2,287) | $385 |
City averages based on Meridian market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,236 |
| Total Monthly Debt Service | $5,149 |
| DSCR Ratio | 0.63x |
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 2026
9,254 sqft lot
$N/A/sqft
$100 monthly HOA
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 2026
9,254 sqft lot
$N/A/sqft
$100 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
