3 bd · 2.0 ba ·
1,080 sqft ·
Built 2026
· SingleFamily
· Active
· 2 DOM
Cashflow @ list (25.0% down · 7.5%)
Estimated rent
$1,503/mo
Mortgage (P&I)
−$492
Tax + insurance
−$156
HOA
−$0
Vac / Maint / Mgmt
−$316
Net cashflow
$538/mo
Annual
$6,461/yr
Cap rate
13.17%
Cash-on-cash
24.58%
DSCR
2.09
1% rule
1.60%
Cash to close
$26,292
Investor read
This is a 3-bed/2.0-bath single-family listed at $94k. Condition is rated good.
At list price, monthly cash flow is $538 ($6k/yr) — positive.
The deal already cash-flows at list — no discount required.
Meets the 1% rule at list price ($2k rent vs $94k).
Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
Local home prices are declining (-3.0%/yr); year-one equity from $649 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
Location reads 84/100 on livability (#7 in ID, #758 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities C-, employment D.
Pocatello District (urban): math 45% / reading 58% proficiency, ranked #26 of 92 in ID (top 28%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
Zoned schools: Claude A Wilcox Elementary School (math 43% / reading 55%, grade D, #169 of 357 statewide, top 48%, 524 students, 60% FRL); Hawthorne Middle School (math 35% / reading 54%, grade D, #52 of 109 statewide, top 51%, 674 students, 48% FRL); Pocatello High School (math 45% / reading 65%, grade C, #25 of 169 statewide, top 14%, 1,352 students, 28% FRL) — zoned schools at 45% FRL track the district average.
Market conditions: Rents rising (+3.1%/yr); 212 active listings in the ZIP; 325 units permitted in Bannock County in 2024 (6 in 5+ unit buildings).
38 sale attempts since 26y ago; this cycle's ask is 18% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
At projected returns (-3.0% appreciation + 3.1% rent growth), your $26k cash investment doubles in ~5 years — after that, you're playing with house money.
Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.
Questions for listing agent
Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
CashFlowRE · CFR-EAQAJ38PZXZ4FK
· Data 2 days agocashflowre.app · 2026-05-29