106 Upper Reservoir RdLonepineMT59848
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 106 Upper Reservoir Rd, Lonepine, MT, 59848 in Lonepine worth modelling. At $875,000 with a 7.15% gross yield, the $5,272/mo rent leaves $99/mo after the $3,935/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.34 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $241,746 by year five; $8,059/yr in principal reduction adds further equity. Total projected return: $340,619.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $99 | $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 | $5,272 |
| Total Monthly Debt Service | $4,766 |
| DSCR Ratio | 1.11x |
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 2004
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59848, Lonepine, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 99 (100%) |
| Owner Occupied HU | 57 (57.6%) |
| Renter Occupied HU | 28 (28.3%) |
| Vacant Housing Units | 14 (14.1%) |
| Median Home Value | $253,571 |
| Average Home Value | $360,614 |
Housing Distribution
Address Breakdown
Residential
54
Single Family
54
Multi-Family
0
Businesses
0
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 2004
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59848, Lonepine, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 99 (100%) |
| Owner Occupied HU | 57 (57.6%) |
| Renter Occupied HU | 28 (28.3%) |
| Vacant Housing Units | 14 (14.1%) |
| Median Home Value | $253,571 |
| Average Home Value | $360,614 |
Housing Distribution
Address Breakdown
Residential
54
Single Family
54
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Eric Heppler • Saddleback Realty LLC
Mls Name: MRMLS
Mls Provider:
Mls ID: #30031461
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.