920 S Main StGraceID83241
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 920 S Main St, Grace, ID, 83241 in Grace offers a clean, manageable entry. At $345,000, the 6.99% yield from $2,009/mo in rent nets $24/mo monthly. DSCR 1.30 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $95,317 in additional property value over five years, with $3,177/yr in principal equity building ownership stake. Total projected cumulative return: $131,733.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $24 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,009 |
| Total Monthly Debt Service | $1,847 |
| DSCR Ratio | 1.09x |
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 1900
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83241, Grace, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 780 (100%) |
| Owner Occupied HU | 575 (73.7%) |
| Renter Occupied HU | 128 (16.4%) |
| Vacant Housing Units | 77 ( 9.9%) |
| Median Home Value | $259,698 |
| Average Home Value | $312,570 |
Housing Distribution
Address Breakdown
Residential
589
Single Family
588
Multi-Family
1
Businesses
58
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 1900
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83241, Grace, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 780 (100%) |
| Owner Occupied HU | 575 (73.7%) |
| Renter Occupied HU | 128 (16.4%) |
| Vacant Housing Units | 77 ( 9.9%) |
| Median Home Value | $259,698 |
| Average Home Value | $312,570 |
Housing Distribution
Address Breakdown
Residential
589
Single Family
588
Multi-Family
1
Businesses
58
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices