92 Cruickshank RdBanksID83602
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThere's a case for owning boring assets in strong markets. 92 Cruickshank Rd, Banks, ID, 83602 in Banks fits: $799,000 entry, $4,628/mo in rent, $32/mo net after the $3,593/mo payment, 6.95% yield, DSCR 1.29. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $220,749 and $7,359/yr in equity build project total return of $303,507.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 10.0% |
| Monthly Cash Flow | $32 | $1,200 |
City averages based on Banks market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,628 |
| Total Monthly Debt Service | $4,279 |
| DSCR Ratio | 1.08x |
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 2007
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83602, Banks, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30 (100%) |
| Owner Occupied HU | 13 (43.3%) |
| Renter Occupied HU | 1 ( 3.3%) |
| Vacant Housing Units | 16 (53.3%) |
| Median Home Value | $416,667 |
| Average Home Value | $490,192 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
2
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 2007
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83602, Banks, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30 (100%) |
| Owner Occupied HU | 13 (43.3%) |
| Renter Occupied HU | 1 ( 3.3%) |
| Vacant Housing Units | 16 (53.3%) |
| Median Home Value | $416,667 |
| Average Home Value | $490,192 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices