Reservation Line RdCottonwoodID83522
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at Reservation Line Rd, Cottonwood, ID, 83522 in Cottonwood is capital appreciation. Rental yield 1.98%. The 1.98% gross yield at $1,247,876 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $344,765 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.37) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $141,594.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 8.0% |
| Monthly Cash Flow | $(5,116) | $350 |
City averages based on Cottonwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,063 |
| Total Monthly Debt Service | $6,682 |
| DSCR Ratio | 0.31x |
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 N/A
236 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83522, Cottonwood, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 842 (100%) |
| Owner Occupied HU | 593 (70.4%) |
| Renter Occupied HU | 129 (15.3%) |
| Vacant Housing Units | 120 (14.3%) |
| Median Home Value | $414,244 |
| Average Home Value | $474,890 |
Housing Distribution
Address Breakdown
Residential
520
Single Family
520
Multi-Family
0
Businesses
102
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
236 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83522, Cottonwood, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 842 (100%) |
| Owner Occupied HU | 593 (70.4%) |
| Renter Occupied HU | 129 (15.3%) |
| Vacant Housing Units | 120 (14.3%) |
| Median Home Value | $414,244 |
| Average Home Value | $474,890 |
Housing Distribution
Address Breakdown
Residential
520
Single Family
520
Multi-Family
0
Businesses
102
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices