1031 3rd StBig SandyMT59520
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1031 3rd St, Big Sandy, MT, 59520 in Big Sandy. Priced at $220,000, it generates $1,872/mo in gross rent and $686/mo in net monthly cash flow, a 10.75% yield that comfortably supports the 1.89 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,230. Five-year appreciation: $60,782. Equity from principal paydown: $2,026/yr. Total projected cumulative return: $120,830.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $686 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,872 |
| Total Monthly Debt Service | $1,198 |
| DSCR Ratio | 1.56x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1948
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59520, Big Sandy, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 604 (100%) |
| Owner Occupied HU | 355 (58.8%) |
| Renter Occupied HU | 127 (21.0%) |
| Vacant Housing Units | 122 (20.2%) |
| Median Home Value | $142,188 |
| Average Home Value | $287,254 |
Housing Distribution
Address Breakdown
Residential
191
Single Family
191
Multi-Family
0
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1948
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59520, Big Sandy, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 604 (100%) |
| Owner Occupied HU | 355 (58.8%) |
| Renter Occupied HU | 127 (21.0%) |
| Vacant Housing Units | 122 (20.2%) |
| Median Home Value | $142,188 |
| Average Home Value | $287,254 |
Housing Distribution
Address Breakdown
Residential
191
Single Family
191
Multi-Family
0
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices