Lot 3 Plan, Trail Creek MeadowsIdaho CityID83631
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at Lot 3 Plan, Trail Creek Meadows, Idaho City, ID, 83631 in Idaho City is straightforward: $175,000 in, $1,342/mo in rent, $310/mo out after debt service. The 9.2% gross yield and 1.71 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $48,349 by year five. With $1,612/yr in principal equity, the total cumulative return is projected at $86,109.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $310 | $400 |
City averages based on Idaho City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,342 |
| Total Monthly Debt Service | $962 |
| DSCR Ratio | 1.39x |
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 2026
N/A lot
$N/A/sqft
$25 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83631, Idaho City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 834 (100%) |
| Owner Occupied HU | 452 (54.2%) |
| Renter Occupied HU | 92 (11.0%) |
| Vacant Housing Units | 290 (34.8%) |
| Median Home Value | $506,881 |
| Average Home Value | $550,597 |
Housing Distribution
Address Breakdown
Residential
324
Single Family
324
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 2026
N/A lot
$N/A/sqft
$25 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83631, Idaho City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 834 (100%) |
| Owner Occupied HU | 452 (54.2%) |
| Renter Occupied HU | 92 (11.0%) |
| Vacant Housing Units | 290 (34.8%) |
| Median Home Value | $506,881 |
| Average Home Value | $550,597 |
Housing Distribution
Address Breakdown
Residential
324
Single Family
324
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
Listed by: N/A • Triple Creek Reserve
Mls Name: Triple Creek Reserve
Mls ID: #N/A