Spruce Plan, Sera SoleKunaID83634
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, Spruce Plan, Sera Sole, Kuna, ID, 83634 in Kuna is listed at $500,990 and delivers $3,852/mo in rent and $970/mo in net monthly cash flow. The 9.23% yield and 1.71 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $138,414 over five years, and $4,614/yr in principal reduction supplements cash return. Total projected cumulative return: $251,404.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.8% |
| Monthly Cash Flow | $970 | $285 |
City averages based on Kuna market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,852 |
| Total Monthly Debt Service | $2,683 |
| DSCR Ratio | 1.44x |
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: 83634, Kuna, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,734 (100%) |
| Owner Occupied HU | 9,871 (84.1%) |
| Renter Occupied HU | 1,630 (13.9%) |
| Vacant Housing Units | 233 ( 2.0%) |
| Median Home Value | $510,018 |
| Average Home Value | $587,916 |
Housing Distribution
Address Breakdown
Residential
11,529
Single Family
11,529
Multi-Family
0
Businesses
435
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: 83634, Kuna, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,734 (100%) |
| Owner Occupied HU | 9,871 (84.1%) |
| Renter Occupied HU | 1,630 (13.9%) |
| Vacant Housing Units | 233 ( 2.0%) |
| Median Home Value | $510,018 |
| Average Home Value | $587,916 |
Housing Distribution
Address Breakdown
Residential
11,529
Single Family
11,529
Multi-Family
0
Businesses
435
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices