989 N 575 EShelleyID83236
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 989 N 575 E, Shelley, ID, 83236 in Shelley worth study. Rental yield 2.5%. The 2.5% gross yield is below cash-flow benchmarks at $1,600,000, but 5% annual appreciation, adding $442,051 over five years, frames this as a capital growth position. Rent of $3,336/mo partially offsets the $7,195/mo payment. Ziffy Mortgage finances appreciation-play properties (0.46 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $225,998.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.0% |
| Monthly Cash Flow | $(5,869) | $300 |
City averages based on Shelley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,336 |
| Total Monthly Debt Service | $8,568 |
| DSCR Ratio | 0.39x |
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 2017
3.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83236, Firth, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,509 (100%) |
| Owner Occupied HU | 1,145 (75.9%) |
| Renter Occupied HU | 259 (17.2%) |
| Vacant Housing Units | 105 ( 7.0%) |
| Median Home Value | $381,723 |
| Average Home Value | $423,799 |
Housing Distribution
Address Breakdown
Residential
758
Single Family
758
Multi-Family
0
Businesses
37
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 2017
3.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83236, Firth, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,509 (100%) |
| Owner Occupied HU | 1,145 (75.9%) |
| Renter Occupied HU | 259 (17.2%) |
| Vacant Housing Units | 105 ( 7.0%) |
| Median Home Value | $381,723 |
| Average Home Value | $423,799 |
Housing Distribution
Address Breakdown
Residential
758
Single Family
758
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices