5BR Home in Caldwell , ID

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Owner FinancedNo Credit Check

5BR Home in Caldwell , ID

$648,000
$3,750/mo
Address undisclosed, Caldwell, Idaho 83607
5
Bedrooms
2.5
Bathrooms
0
Sq Ft
2019
Year Built
$3,750
Monthly Payment

About This Property

OWNER FINANCING | LEASE-OPTION AVAILABLE — CALDWELL, ID - Do you have STRONG income but DON'T WANT TO DEAL WITH BANKS? - Are you ready to take ACTION toward HOME OWNERSHIP? - Would you love to OWN in an AREA that saw HOME PRICES CLIMB 6.3% year over year, and where inventory is still UNDER TWO MONTHS of supply? THIS DEAL MAY BE exactly what you've been waiting for. FIRST OF ALL THOUGH — This is not a no-money/low-money-down deal. (We need to recover some of what we've got invested into this deal, and we want to work with someone who is SERIOUS enough about home-ownership to put significant skin in the game.) THAT SAID, this is an opportunity for a serious buyer — with real income and real cash — who just can't get traditional financing right now. Or maybe someone who simply doesn't want to go through the pain of trying to obtain traditional financing. THIS DEAL IS PERFECT FOR: - A buyer who understands the power of locking in today in a market that is exploding in growth - A big family ready to upgrade into a newer home with serious space - Self-employed buyers & and/or work-from-home business owners - 1099 earners the bank can't/don't-want-to figure out - Buyers rebuilding after divorce or bankruptcy - Strong cash buyers who want to skip the bank entirely - High-income renters looking to invest their money into potential homeownership IF THIS IS YOU, KEEP READING! THIS IS A TRULY TURNKEY DEAL — NOTHING TO DO BUT MOVE IN This home has been completely refreshed top to bottom. This isn't a "freshened up" property with a coat of paint and a prayer. Every major finish has been touched. INTERIOR & FINISHES: - Fresh interior AND exterior paint — clean, modern, done - Etched quartz countertops in kitchen - New luxury vinyl plank flooring throughout main living areas - New carpet in bedrooms, stairs and hallway - New interior doors and hardware throughout - New full trim package - Updated lighting throughout the entire home - Built-in central vacuum system - Abundant storage throughout SYSTEMS & MECHANICAL: - Full furnace and AC service just completed — HVAC in top working condition - Large 2-car garage with epoxied floors — finished and clean THE BONUSES (WITH QUICK CLOSE OFFER): - Seller will provide and professionally install a large flatscreen TV in the bonus room and a large flatscreen TV in the primary suite — move in and turn them on - Seller will provide FREE high-speed internet for 1 year - Equity credits for qualifying parties - Credit help for buyer (if needed) ALSO: Pets are welcome with approval and deposit This home is actually ready. Not "almost ready." Not "just needs a few things." It is READY for you NOW. THE HOME ITSELF: This huge, 7-year-old home is tucked away in a beautiful, established newer subdivision in the heart of Southwest Caldwell, center of the Treasure Valley's expansive growth. Caldwell was ranked one of the fastest growing cities in America in 2025, and it shows. This is a community with real momentum — new amenities, strong infrastructure, and long-term value that keeps building, driven by semiconductor manufacturing, technology, healthcare, and professional services. This home sits right in the middle of that growth.. think quiet and private, while still conveniently close to everything. - 5 Bedrooms — room for every kid, every season of life - 2.5 Bathrooms — no more morning waiting lines - Main floor primary suite — walk-in closet, soaker tub, walk-in shower, double vanity sinks, private toilet. Your retreat at the end of the day. - Dedicated office off the down payment — has a closet, converts easily to a 6th bedroom, guest room, or homeschool space - Bonus room over garage — playroom, teen hangout, media room, home gym — it grows with your family - Fully fenced backyard with fire pit patio — built for evenings together - Fully-finished garage + driveway + on-street parking — plenty of room for everyone's vehicle - Full-house central vacuum system Great schools. Great neighbors. Minutes from Costco, Target, YMCA, Karcher Mall, and Lake Lowell. Easy access to I-84. This is the home you pictured when you said "someday." Someday is here. FLEXIBLE PATH TO OWNERSHIP — SELLER FINANCING / LEASE-OPTION AVAILABLE Move into the home now with a clear path toward ownership while you work toward traditional financing. Flexible seller-held financing is available for qualified buyers with strong income and a substantial Down Payment: Contact for details Purchase / Lease Option Price: $648,000 Option Consideration / Down Payment: Starting at Contact for details Estimated Monthly Payment: Approximately Contact for details to Contact for details per month depending on structure - No traditional bank loan required to move in - No institutional lender approval required - No credit score contingencies HERE'S HOW IT WORKS: 1. Your option consideration or down payment goes directly toward the purchase — its not lost to rent. 2. During the first five years, payments are structured to keep your monthly obligation manageable while you use the time to build or rebuild credit, stabilize income, and position yourself for traditional financing on your own timeline. 3. Purchase credits available for every on-time payment made. This means part of your monthly payment goes toward principle. 4. Seven-year (7 yr.) path toward purchase/refinance, with early purchase/payoff options available at any time. 5. Seller-provided credit-building program available for buyer. *Flexible purchase structure discussed privately after brief screening of interested parties. *Serious inquiries only. *Substantial down payment and option consideration ARE REQUIRED. *Buyer score sheet required prior to showings. This opportunity is best suited for self-employed buyers, business owners, 1099 earners, and buyers with strong income who cannot currently qualify through conventional lending — but who are serious about ownership and have the cash and income to back it up. TO BE CONSIDERED, MESSAGE US DIRECTLY WITH YOUR NAME AND TELL US: 1. Which structure interests you most — lease-option or seller financing 2. Your potential down payment or option consideration 3. Monthly combined household income 4. Why traditional financing isn't working for you right now 5. What your current living situation is LAST THING: This is a rare opportunity for the right buyer but with 1000+ people moving to the Treasure Valley every month, it's not going to last long, and when it's gone, it's gone. TEXT NOW if you feel like this may be a good fit for you or someone you know: --> (786) 322-3646

Features & Highlights

Motivated Seller
Off Market
Turn-Key
Co-Living
Creative Listing
Lease Option
Seller Financing

Financing Details

Down Payment
$135,000
Monthly Payment
$3,750
Financing Type
Lease Option
Credit Check
None Required

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