Owyhee 2 Plan, Mountain View EstatesGoodingID83330
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.42% yield at Owyhee 2 Plan, Mountain View Estates, Gooding, ID, 83330 in Gooding is solid, but the $2,001/mo payment compresses net cash flow to $192/mo at $445,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $122,945 by year five, and $4,098/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.38) without U.S. income documentation. Total projected return: $180,290.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $192 | $200 |
City averages based on Gooding market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,752 |
| Total Monthly Debt Service | $2,383 |
| DSCR Ratio | 1.15x |
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
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83330, Gooding, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,634 (100%) |
| Owner Occupied HU | 1,737 (65.9%) |
| Renter Occupied HU | 779 (29.6%) |
| Vacant Housing Units | 118 ( 4.5%) |
| Median Home Value | $274,257 |
| Average Home Value | $321,737 |
Housing Distribution
Address Breakdown
Residential
2,514
Single Family
2,509
Multi-Family
5
Businesses
216
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83330, Gooding, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,634 (100%) |
| Owner Occupied HU | 1,737 (65.9%) |
| Renter Occupied HU | 779 (29.6%) |
| Vacant Housing Units | 118 ( 4.5%) |
| Median Home Value | $274,257 |
| Average Home Value | $321,737 |
Housing Distribution
Address Breakdown
Residential
2,514
Single Family
2,509
Multi-Family
5
Businesses
216
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices