3545 N Gunnar Ct · Coeur d'Alene, ID 83815

$126,500

2 bd · 1.0 ba · 788 sqft · SingleFamily · 186 Days on market

Built 2025 ↓ 9% since listing

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Why this score? — see what drove the B- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +27.7/30.0
• DSCR +9.7/10.0
• 1% rule +7.6/10.0
• ARV discount +7.5/15.0
• Schools +4.4/10.0
• Rent growth +3.6/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Brand new, never lived in 2-bed I-bath in Coeur d'Alene. Straight from the factory to Shady Lane Mobile Home Park, one of the few remaining affordable mobile home parks in Coeur d'Alene with lot rent at just $550 per month. Home includes paved off street parking, A/C, front porch, and fresh landscaping.

Key facts

• Front porch
• Fresh landscaping
• Built 2025

Tags

• PAVED OFF STREET PARKING
• FRONT PORCH
• FRESH LANDSCAPING

🏷️ Possibly a rental listed for sale. The $126,500 price doesn't fit this home's estimated sale value (~$333,324) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $126k.

Deal economics

• At list price, monthly cash flow is $381 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $126k).
• Recommended offer: $111k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.9% vs local median 2.2% in Coeur d'Alene — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Coeur D'Alene District (urban): math 44% / reading 60% proficiency, ranked #23 of 92 in ID (top 25%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising fast (+4.2%/yr); 318 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,606 units permitted in Kootenai County in 2024 (154 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $875 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Kootenai County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 4.2% rent growth), your $35k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 186 days — a 12% lower offer ($111k) is reasonable based on typical stale-listing flexibility.

Recommended offer $111,320 (12.0% below list)

Questions for the listing agent

1. It's been on market 186 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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.

Investment metrics

• 1% rule: 1.26% ✓
• Cap rate: 9.91%
• Cash-on-cash: 12.90%
• DSCR: 1.57
• GRM: 6.6

CMA / ARV

• ARV (on-the-fly): $333,324
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4386 N Meadow Ranch Ave	0.28mi	2/1.0	795 (+1%)	4mo	$330,000	$415	82
4372 N Meadow Ranch Ave	0.28mi	2/1.0	792 (+0%)	8mo	$340,000	$429	79
4368 N Meadow Ranch Ave	0.29mi	2/1.0	792 (+0%)	8mo	$335,000	$423	79
4408 N Meadow Ranch Ave	0.27mi	2/1.0	767 (-3%)	6mo	$339,000	$442	78
158 W Stratus Ln	0.34mi	2/1.0	784 (-0%)	9mo	$70,000	$89	75
4412 N Meadow Ranch Ave	0.27mi	2/1.0	792 (+0%)	20mo	$345,000	$436	70
3041 N Weathers Ln	0.36mi	2/1.0	784 (-0%)	23mo	$67,500	$86	63
4360 Meadow Ranch Ave	0.29mi	1/1.0 (-1)	892 (+13%)	20mo	$345,000	$387	43

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.2% rent growth · sell at horizon

5-year hold

• IRR: 4.1%
• Equity multiple: 1.16×
• Total profit: $5,719
• Equity at exit: $18,862

10-year hold

• IRR: 14.7%
• Equity multiple: 2.26×
• Total profit: $44,467
• Equity at exit: $10,937

Cash invested: $35,420 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 91 Strongly Landlord-Friendly
• State Idaho: 91 Strongly Landlord-Friendly · R+18
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempted; minimal tenant protections.

Methodology + full state rankings →

ZIP-level market 83815

• Rents YoY: 4.2%
• Active inventory: 318
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,589 high
• Mortgage (P&I): −$663
• Tax est. 1.5%: −$158 /mo · $1,898/yr
• Insurance: −$53
• HOA: −$0
• Vacancy / Maint / Mgmt: −$334
• Net cashflow: $381

Break-even live

Break-even rent $1,107

Max offer price $126,500

Occupancy floor 71%

Sensitivity live

Price	-10% $468	-5% $424	+0% $381	+5% $337	+10% $293
Rent	-10% $255	-5% $318	+0% $381	+5% $444	+10% $506
Rate	-1.0pp $444	-0.5pp $413	base $381	+0.5pp $348	+1.0pp $315

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $31,625
• Closing costs: $3,795
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
128 W Neider Ave Coeur d'Alene, ID	1.0–3.0	1.0–2.0	981	$1,595	$1.63	14d	4	0.31mi
2828 N Julia St Unit 2 Coeur d'Alene, ID	2.0	1.0	900	$1,495	$1.66	21d	1	0.41mi
3219 N Thicket Ln Unit 3219 Thicket Coeur d'Alene, ID	2.0	1.5	900	$1,550	$1.72	14d	1	0.53mi
4208 N Crown Ave Coeur D Alene, ID	2.0	1.0	950	$1,500	$1.58	14d	1	0.58mi
3825 N Ramsey Rd Coeur D Alene, ID	2.0–3.0	2.0	1039	$1,618	$1.56	21d	1	0.79mi
110 E Borah Ave Unit 3 Coeur d'Alene, ID	2.0	1.0	600	$1,295	$2.16	21d	1	0.82mi
1000 W Ironwood Dr Coeur D Alene, ID	2.0	1.0	715	$1,610	$2.25	14d	2	0.95mi
4188 Player Dr Unit 4188 Coeur d'Alene, ID	2.0	2.0	1125	$1,725	$1.53	21d	1	0.98mi
111 E Hattie Ave Unit 4 Coeur d'Alene, ID	2.0	1.0	900	$1,595	$1.77	21d	1	0.99mi
1053 Emma Ave Unit 422 Coeur d'Alene, ID	2.0	1.0	840	$1,222	$1.45	14d	1	1.10mi
1053 Emma Ave Apt 214 Coeur d'Alene, ID	1.0	1.0	740	$473	$0.64	14d	1	1.10mi
1001 W Emma Ave Coeur D Alene, ID	1.0–2.0	1.0	650	$1,350	$2.08	14d	3	1.12mi
1101 Emma Ave Unit 1101 Emma L Coeur d'Alene, ID	2.0	2.0	700	$1,375	$1.96	21d	1	1.14mi
1006 E Gilbert Ave Unit 1008 Coeur d'Alene, ID	2.0	1.0	1000	$1,500	$1.50	21d	1	1.15mi
2099 W Plymouth Cir Unit C28 Coeur d'Alene, ID	3.0	2.0	924	$2,129	$2.30	21d	1	1.28mi
1705 N Government Way Coeur D Alene, ID	1.0–2.0	1.0	770	$1,550	$2.01	14d	5	1.29mi
1705 N Government Way Apt 307 Coeur d'Alene, ID	2.0	1.0	936	$1,525	$1.63	21d	1	1.29mi
1908 N 8th St Unit Pin Coeur d'Alene, ID	2.0	1.0	750	$1,475	$1.97	21d	1	1.40mi
3635 N 17th St Coeur D Alene, ID	2.0	1.0	1000	$1,662	$1.66	14d	3	1.42mi

Listing history 5 events

1. 2026-03-10
   status Pending
2. 2026-01-27
   price $126,500
3. 2026-01-07
   price $129,000
4. 2025-11-20
   price $134,900
5. 2025-09-05
   listed $139,500 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $19,063
• − Mortgage interest: −$7,086
• − Property taxes: −$1,898
• − Insurance: −$632
• − Repairs & maintenance: −$1,525
• − Management: −$1,525
• − Depreciation: −$3,680
• Taxable income: $2,717
• Est. tax owed @ 24.0%: −$652
• After-tax cash flow: $3,917/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Coeur D'Alene District
• NCES district ID: 1600780
• Math proficiency: 44% ▼ -6.00%
• Reading proficiency: 60% ▼ -2.00%
• Median HH income: $47,652
• Composite: 44.16/100
• National rank: #2858
• State rank: #23 of 92 in ID

Livability — Coeur d'Alene

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Coeur d'Alene, ID
• County: Kootenai County · 146,553 people
• City population: 67,464
• Metro: Coeur d'Alene, ID
• Population (ZIP): 41,405
• Household income: $77,864
• Rent vs Own: 33.7% rent · 66.3% own
• Severe rent burden: 1036.0

Population outlook (Kootenai County) Hauer SSP2

• Today (2025): 177,692 people
• By 2030: 190,689 · +7.3%
• By 2040: 214,704 · +20.8%
• By 2050: 236,510 · +33.1%
• By 2075: 285,984 · +60.9%
• By 2100: 316,459 · +78.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Two or more races 6% Hispanic / Latino 4% Asian 1%
• Common ancestry: Portuguese 4% Slovak 4% Iranian 3%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Kootenai

• 2024 margin: Solid R (+51.9) · D 22.9% · R 74.8% · Other 2.2%
• 2008→2024 swing: -25.6pp toward R · 2008: -26.3pp · 2024: -51.9pp
• All cycles: 2024: R+51.9 2020: R+42.9 2016: R+42.5 2012: R+34.3 2008: R+26.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -255.27%
• Current HPI: 252.5165
• Rent YoY: ▲ 4.20%
• Metro: Coeur d'Alene, ID
• State GDP YoY: ▲ 4.51%
• F500 in state: 6

Industry mix (Fortune 500 HQ in ID)

Industry	F500 HQs	Revenue
▸Retail	1	$79B
▸Technology	1	$25B
▸Food / Agriculture	1	$6B

Price history

-9.3% since first listed

5 events — show timeline

• 2026-03-10 Pending — CDAMLS
• 2026-01-27 Price Changed $126,500 CDAMLS
• 2026-01-07 Price Changed $129,000 CDAMLS
• 2025-11-20 Price Changed $134,900 CDAMLS
• 2025-09-05 Listed $139,500 CDAMLS