978 S Pencil AveKunaID83634
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 978 S Pencil Ave, Kuna, ID, 83634 in Kuna is narrow, $51/mo net on $2,746/mo rent after the $2,093/mo debt service, but the property operates at break-even-plus, not a loss. At $465,499 with a 7.08% yield, the long-run equity case via 5% appreciation ($128,609 over five years) and $4,287/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.31 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $179,030.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 5.8% |
| Monthly Cash Flow | $51 | $285 |
City averages based on Kuna market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,746 |
| Total Monthly Debt Service | $2,509 |
| 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 2006
8,276 sqft lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83634, Kuna, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,734 (100%) |
| Owner Occupied HU | 9,871 (84.1%) |
| Renter Occupied HU | 1,630 (13.9%) |
| Vacant Housing Units | 233 ( 2.0%) |
| Median Home Value | $510,018 |
| Average Home Value | $587,916 |
Housing Distribution
Address Breakdown
Residential
11,529
Single Family
11,529
Multi-Family
0
Businesses
435
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 2006
8,276 sqft lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83634, Kuna, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,734 (100%) |
| Owner Occupied HU | 9,871 (84.1%) |
| Renter Occupied HU | 1,630 (13.9%) |
| Vacant Housing Units | 233 ( 2.0%) |
| Median Home Value | $510,018 |
| Average Home Value | $587,916 |
Housing Distribution
Address Breakdown
Residential
11,529
Single Family
11,529
Multi-Family
0
Businesses
435
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Roger Lowe • Lowes Flat Fee Realty A Homezu Partner
Mls Name: IMLS
Mls Provider:
Mls ID: #98927041
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.