1034 1st AveLaurelMT59044
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1034 1st Ave, Laurel, MT, 59044 in Laurel at $307,200 earns $1,961/mo in rent and nets $165/mo after the $1,381/mo payment, a 7.66% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $84,874 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $2,829/yr in principal paydown, total projected return reaches $126,748.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.8% |
| Monthly Cash Flow | $165 | $450 |
City averages based on Laurel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,961 |
| Total Monthly Debt Service | $1,673 |
| DSCR Ratio | 1.17x |
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 1954
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59044, Laurel, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,233 (100%) |
| Owner Occupied HU | 3,765 (71.9%) |
| Renter Occupied HU | 1,240 (23.7%) |
| Vacant Housing Units | 228 ( 4.4%) |
| Median Home Value | $382,330 |
| Average Home Value | $452,008 |
Housing Distribution
Address Breakdown
Residential
4,910
Single Family
4,858
Multi-Family
52
Businesses
401
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 1954
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59044, Laurel, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,233 (100%) |
| Owner Occupied HU | 3,765 (71.9%) |
| Renter Occupied HU | 1,240 (23.7%) |
| Vacant Housing Units | 228 ( 4.4%) |
| Median Home Value | $382,330 |
| Average Home Value | $452,008 |
Housing Distribution
Address Breakdown
Residential
4,910
Single Family
4,858
Multi-Family
52
Businesses
401
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices