Idaho DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Idaho (ID) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Idaho utilize Non-Judicial (Deed of Trust) security instruments, with an average non-homestead effective property tax rate of 0.63%, a median 1–4 unit investment home price of $445,000 (median rent $2,950/mo), and 5+ unit multifamily market rents averaging $1,650/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Non-Judicial (Deed of Trust)EFFECTIVE PROPERTY TAX
0.63% Avg ($234/mo)MEDIAN 1–4 UNIT PRICE & RENT
$445,000 · $2,950/mo5+ UNIT MULTIFAMILY RENT
$1,650/door/moIdaho Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $445,000·Loan/Door: $333,750·Avg Rent/Door: $2,950/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.17xCanonical:
117 bps · 7500 bps LTV · 6625 bps RateStandard Multifamily / DSCR Pass (1.15x–1.24x)
Loan Amount (75% LTV)$333,75033,375,000 _cents
Monthly P&I Debt Service$2,137/mo@ 6.625% Note Rate
Total Monthly PITIA$2,526/moTax: $234 · Ins: $156
Net Monthly Cash Flow+$424/mo$5,083/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $2,526/mo | 1.17x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $2,582/mo | 1.14x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $2,336/mo | 1.26x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
Idaho Cities with Population ≥ 50,000 (8 Markets)
Click any Idaho city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (ID) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Boise City, ID → | Boise City Metro County County | 233,518 | 0.67% | $500,000 | $3,300/mo | $1,825/door |
| Nampa, ID → | CANYON County County | 94,305 | 0.67% | $445,000 | $2,900/mo | $1,625/door |
| Meridian, ID → | ADA County County | 91,120 | 0.6% | $415,000 | $2,800/mo | $1,550/door |
| Idaho Falls, ID → | BONNEVILLE County County | 63,538 | 0.62% | $420,000 | $2,800/mo | $1,575/door |
| Pocatello, ID → | BANNOCK County County | 59,242 | 0.64% | $430,000 | $2,850/mo | $1,600/door |
| Caldwell, ID → | CANYON County County | 53,363 | 0.63% | $400,000 | $2,700/mo | $1,500/door |
| Coeur d'Alene, ID → | Coeur d'Alene Metro County County | 50,578 | 0.6% | $390,000 | $2,650/mo | $1,475/door |
| Twin Falls, ID → | TWIN FALLS County County | 50,119 | 0.58% | $405,000 | $2,700/mo | $1,525/door |