LOT 15 Whitefield Ln #15McCallID83638
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at LOT 15 Whitefield Ln #15, McCall, ID, 83638 in McCall. Priced at $275,000, it generates $2,480/mo in gross rent and $898/mo in net monthly cash flow, a 10.82% yield that comfortably supports the 2.00 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,776. Five-year appreciation: $75,977. Equity from principal paydown: $2,533/yr. Total projected cumulative return: $161,523.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 7.0% |
| Monthly Cash Flow | $898 | $1,500 |
City averages based on McCall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,480 |
| Total Monthly Debt Service | $1,473 |
| DSCR Ratio | 1.68x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83638, Mccall, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,224 (100%) |
| Owner Occupied HU | 2,620 (36.3%) |
| Renter Occupied HU | 803 (11.1%) |
| Vacant Housing Units | 3,801 (52.6%) |
| Median Home Value | $755,549 |
| Average Home Value | $806,190 |
Housing Distribution
Address Breakdown
Residential
1,655
Single Family
1,653
Multi-Family
2
Businesses
601
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83638, Mccall, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,224 (100%) |
| Owner Occupied HU | 2,620 (36.3%) |
| Renter Occupied HU | 803 (11.1%) |
| Vacant Housing Units | 3,801 (52.6%) |
| Median Home Value | $755,549 |
| Average Home Value | $806,190 |
Housing Distribution
Address Breakdown
Residential
1,655
Single Family
1,653
Multi-Family
2
Businesses
601
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
