Nka Kayak LoopOldtownID83822
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNka Kayak Loop, Oldtown, ID, 83822 in Oldtown is priced for appreciation, not yield. Rental yield 0.58%. At $1,730,000 with a 0.58% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $477,967 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.11) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $66,355.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.6% | 6.0% |
| Monthly Cash Flow | $(9,112) | $500 |
City averages based on Oldtown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $840 |
| Total Monthly Debt Service | $9,264 |
| DSCR Ratio | 0.09x |
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 2025
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83822, Oldtown, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,042 (100%) |
| Owner Occupied HU | 781 (75.0%) |
| Renter Occupied HU | 158 (15.2%) |
| Vacant Housing Units | 103 ( 9.9%) |
| Median Home Value | $395,161 |
| Average Home Value | $439,850 |
Housing Distribution
Address Breakdown
Residential
842
Single Family
842
Multi-Family
0
Businesses
48
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 2025
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83822, Oldtown, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,042 (100%) |
| Owner Occupied HU | 781 (75.0%) |
| Renter Occupied HU | 158 (15.2%) |
| Vacant Housing Units | 103 ( 9.9%) |
| Median Home Value | $395,161 |
| Average Home Value | $439,850 |
Housing Distribution
Address Breakdown
Residential
842
Single Family
842
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dale Rainey • Old Mill Real Estate
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #25-5564
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.