859 Otter LnBonners FerryID83805
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 859 Otter Ln, Bonners Ferry, ID, 83805 in Bonners Ferry at $239,000 earns $1,500/mo in rent and nets $125/mo after the $1,075/mo payment, a 7.53% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $66,031 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $2,201/yr in principal paydown, total projected return reaches $98,197.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $125 | $200 |
City averages based on Bonners Ferry market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $1,280 |
| DSCR Ratio | 1.17x |
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 2022
7.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83805, Bonners Ferry, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,181 (100%) |
| Owner Occupied HU | 2,910 (69.6%) |
| Renter Occupied HU | 809 (19.3%) |
| Vacant Housing Units | 462 (11.0%) |
| Median Home Value | $398,825 |
| Average Home Value | $479,766 |
Housing Distribution
Address Breakdown
Residential
3,328
Single Family
3,327
Multi-Family
1
Businesses
427
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 2022
7.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83805, Bonners Ferry, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,181 (100%) |
| Owner Occupied HU | 2,910 (69.6%) |
| Renter Occupied HU | 809 (19.3%) |
| Vacant Housing Units | 462 (11.0%) |
| Median Home Value | $398,825 |
| Average Home Value | $479,766 |
Housing Distribution
Address Breakdown
Residential
3,328
Single Family
3,327
Multi-Family
1
Businesses
427
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Darlene Schneider • PACE-KERBY REAL ESTATE, INC
Mls Name: SELMLS
Mls Provider:
Mls ID: #20251416
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.