Townsend Plan, Emerald Subdivision | OLO BuildersHaydenID83835
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.06% yield at Townsend Plan, Emerald Subdivision | OLO Builders, Hayden, ID, 83835 in Hayden is solid, but the $2,615/mo payment compresses net cash flow to $75/mo at $581,500. 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 $160,658 by year five, and $5,356/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.31) without U.S. income documentation. Total projected return: $224,201.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 5.0% |
| Monthly Cash Flow | $75 | $250 |
City averages based on Hayden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,420 |
| Total Monthly Debt Service | $3,114 |
| DSCR Ratio | 1.10x |
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83835, Hayden, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,959 (100%) |
| Owner Occupied HU | 8,303 (75.8%) |
| Renter Occupied HU | 1,761 (16.1%) |
| Vacant Housing Units | 895 ( 8.2%) |
| Median Home Value | $634,951 |
| Average Home Value | $703,881 |
Housing Distribution
Address Breakdown
Residential
10,052
Single Family
9,835
Multi-Family
217
Businesses
1,383
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83835, Hayden, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,959 (100%) |
| Owner Occupied HU | 8,303 (75.8%) |
| Renter Occupied HU | 1,761 (16.1%) |
| Vacant Housing Units | 895 ( 8.2%) |
| Median Home Value | $634,951 |
| Average Home Value | $703,881 |
Housing Distribution
Address Breakdown
Residential
10,052
Single Family
9,835
Multi-Family
217
Businesses
1,383
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices