860 S 12 EMountain HomeID83647
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.42% yield at 860 S 12 E, Mountain Home, ID, 83647 in Mountain Home is solid, but the $1,075/mo payment compresses net cash flow to $86/mo at $239,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $66,031 by year five, and $2,201/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.37) without U.S. income documentation. Total projected return: $95,773.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $86 | $450 |
City averages based on Mountain Home market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,477 |
| Total Monthly Debt Service | $1,296 |
| 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 1960
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83647, Mountain Home, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,208 (100%) |
| Owner Occupied HU | 6,396 (62.7%) |
| Renter Occupied HU | 2,815 (27.6%) |
| Vacant Housing Units | 997 ( 9.8%) |
| Median Home Value | $345,693 |
| Average Home Value | $377,244 |
Housing Distribution
Address Breakdown
Residential
9,201
Single Family
9,171
Multi-Family
30
Businesses
632
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 1960
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83647, Mountain Home, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,208 (100%) |
| Owner Occupied HU | 6,396 (62.7%) |
| Renter Occupied HU | 2,815 (27.6%) |
| Vacant Housing Units | 997 ( 9.8%) |
| Median Home Value | $345,693 |
| Average Home Value | $377,244 |
Housing Distribution
Address Breakdown
Residential
9,201
Single Family
9,171
Multi-Family
30
Businesses
632
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rena Kerfoot • Mountain Home Pro Real Estate
Mls Name: IMLS
Mls Provider:
Mls ID: #98934741
Disclaimer: IDX information is provided exclusively for consumers personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IMLS does not assume any liability for missing or inaccurate data. Information provided by IMLS is deemed reliable but not guaranteed.