938 E 5204 NHagermanID83332
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 938 E 5204 N, Hagerman, ID, 83332 in Hagerman fits: $1,799,000, 2.58% gross yield, and a projected 5% annual appreciation rate adding $497,031 in value within five years. Rental yield 2.58%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.48) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $16,569/yr in principal paydown and $497,031 in appreciation project a total return of $261,405.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.0% |
| Monthly Cash Flow | $(6,487) | $300 |
City averages based on Hagerman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,875 |
| Total Monthly Debt Service | $9,646 |
| DSCR Ratio | 0.40x |
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 2008
1.68 Acres lot
$N/A/sqft
$150 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83332, Hagerman, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,216 (100%) |
| Owner Occupied HU | 815 (67.0%) |
| Renter Occupied HU | 267 (22.0%) |
| Vacant Housing Units | 134 (11.0%) |
| Median Home Value | $343,289 |
| Average Home Value | $410,558 |
Housing Distribution
Address Breakdown
Residential
945
Single Family
945
Multi-Family
0
Businesses
83
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 2008
1.68 Acres lot
$N/A/sqft
$150 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83332, Hagerman, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,216 (100%) |
| Owner Occupied HU | 815 (67.0%) |
| Renter Occupied HU | 267 (22.0%) |
| Vacant Housing Units | 134 (11.0%) |
| Median Home Value | $343,289 |
| Average Home Value | $410,558 |
Housing Distribution
Address Breakdown
Residential
945
Single Family
945
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Judy Osborne • 1000 Springs Realty
Mls Name: IMLS
Mls Provider:
Mls ID: #98958310
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.