9765 N Westside HwyCliftonID83228
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 9765 N Westside Hwy, Clifton, ID, 83228 in Clifton at $849,900, 4.84% gross yield, is a market-growth asset. Rental yield 4.84%. The $3,430/mo rent partially funds the $3,822/mo debt service; the core return is the 5%/yr price growth projected to add $234,812 over five years. Ziffy Mortgage's DSCR mortgage (0.90) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $226,741.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.0% |
| Monthly Cash Flow | $(1,460) | $500 |
City averages based on Clifton 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 | $3,430 |
| Total Monthly Debt Service | $4,551 |
| DSCR Ratio | 0.75x |
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 1979
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83228, Clifton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 206 (100%) |
| Owner Occupied HU | 170 (82.5%) |
| Renter Occupied HU | 22 (10.7%) |
| Vacant Housing Units | 14 ( 6.8%) |
| Median Home Value | $384,211 |
| Average Home Value | $426,176 |
Housing Distribution
Address Breakdown
Residential
165
Single Family
165
Multi-Family
0
Businesses
6
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 1979
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83228, Clifton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 206 (100%) |
| Owner Occupied HU | 170 (82.5%) |
| Renter Occupied HU | 22 (10.7%) |
| Vacant Housing Units | 14 ( 6.8%) |
| Median Home Value | $384,211 |
| Average Home Value | $426,176 |
Housing Distribution
Address Breakdown
Residential
165
Single Family
165
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices