9754 E Merrick RdLava Hot SpringsID83246
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 9754 E Merrick Rd, Lava Hot Springs, ID, 83246 in Lava Hot Springs is narrow, $17/mo net on $2,108/mo rent after the $1,618/mo debt service, but the property operates at break-even-plus, not a loss. At $359,900 with a 7.03% yield, the long-run equity case via 5% appreciation ($99,434 over five years) and $3,315/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.30 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $137,010.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.3% |
| Monthly Cash Flow | $17 | $1,500 |
City averages based on Lava Hot Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,108 |
| Total Monthly Debt Service | $1,948 |
| 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 1984
0.96 Acres lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83246, Lava Hot Springs, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 635 (100%) |
| Owner Occupied HU | 351 (55.3%) |
| Renter Occupied HU | 94 (14.8%) |
| Vacant Housing Units | 190 (29.9%) |
| Median Home Value | $454,580 |
| Average Home Value | $576,083 |
Housing Distribution
Address Breakdown
Residential
245
Single Family
245
Multi-Family
0
Businesses
63
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 1984
0.96 Acres lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83246, Lava Hot Springs, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 635 (100%) |
| Owner Occupied HU | 351 (55.3%) |
| Renter Occupied HU | 94 (14.8%) |
| Vacant Housing Units | 190 (29.9%) |
| Median Home Value | $454,580 |
| Average Home Value | $576,083 |
Housing Distribution
Address Breakdown
Residential
245
Single Family
245
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices