9145 Tula DrMiddletonID83644
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 9145 Tula Dr, Middleton, ID, 83644 in Middleton is capital appreciation. Rental yield 3.65%. The 3.65% gross yield at $1,085,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $299,766 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.68) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $219,918.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 4.9% |
| Monthly Cash Flow | $(2,944) | $285 |
City averages based on Middleton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,298 |
| Total Monthly Debt Service | $5,810 |
| DSCR Ratio | 0.57x |
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 2022
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83644, Middleton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,229 (100%) |
| Owner Occupied HU | 5,399 (86.7%) |
| Renter Occupied HU | 663 (10.6%) |
| Vacant Housing Units | 167 ( 2.7%) |
| Median Home Value | $515,674 |
| Average Home Value | $575,974 |
Housing Distribution
Address Breakdown
Residential
5,695
Single Family
5,695
Multi-Family
0
Businesses
300
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
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83644, Middleton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,229 (100%) |
| Owner Occupied HU | 5,399 (86.7%) |
| Renter Occupied HU | 663 (10.6%) |
| Vacant Housing Units | 167 ( 2.7%) |
| Median Home Value | $515,674 |
| Average Home Value | $575,974 |
Housing Distribution
Address Breakdown
Residential
5,695
Single Family
5,695
Multi-Family
0
Businesses
300
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices