IDAHO (ID) WHOLESALE UNDERWRITING DESK · 8 MAJOR CITIES (50,000+ POP)

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/mo

5+ UNIT MULTIFAMILY RENT

$1,650/door/mo

Idaho 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

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $445,000·Loan/Door: $333,750·Avg Rent/Door: $2,950/mo

Property Value / Purchase Price$445,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$2,950/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 117 bps · 7500 bps LTV · 6625 bps Rate

1.17x

Standard 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

Get 30-Sec Quote →Full 1003 / MISMO Apply →

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

All 10 Loan Programs & 6 Unit Tiers in Idaho

DSCR Loans in ID →Hard Money Loans in ID →Private Money Loans in ID →Fix & Flip Loans in ID →Bridge Loans in ID →Ground-Up Construction in ID →Multifamily (5+ Units) in ID →Commercial Property in ID →Rehab & BRRRR Loans in ID →Cash-Out Refinance in ID →

1–4 Units (1–4 Units)5–8 Units (5–8 Units)5–9 Units (5–9 Units)5–10 Units (5–10 Units)5–25 Units (5–25 Units)5+ Units & Portfolios (5+ Units & Portfolios)