1105 2nd StHavreMT59501
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1105 2nd St, Havre, MT, 59501 in Havre speaks for itself: 13.1% gross on a $196,100 price, generating $2,141/mo in rent and $995/mo in net income after the $882/mo debt service. DSCR 2.43, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,936 stacks alongside $54,179 in projected five-year appreciation and $1,806/yr in principal reduction. Projected total cumulative return: $138,086.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.1% | 4.8% |
| Monthly Cash Flow | $995 | $285 |
City averages based on Havre market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,141 |
| Total Monthly Debt Service | $1,068 |
| DSCR Ratio | 2.00x |
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 1925
6,141 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59501, Havre, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,834 (100%) |
| Owner Occupied HU | 3,246 (55.6%) |
| Renter Occupied HU | 1,757 (30.1%) |
| Vacant Housing Units | 831 (14.2%) |
| Median Home Value | $235,031 |
| Average Home Value | $303,541 |
Housing Distribution
Address Breakdown
Residential
5,086
Single Family
4,860
Multi-Family
226
Businesses
669
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 1925
6,141 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59501, Havre, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,834 (100%) |
| Owner Occupied HU | 3,246 (55.6%) |
| Renter Occupied HU | 1,757 (30.1%) |
| Vacant Housing Units | 831 (14.2%) |
| Median Home Value | $235,031 |
| Average Home Value | $303,541 |
Housing Distribution
Address Breakdown
Residential
5,086
Single Family
4,860
Multi-Family
226
Businesses
669
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices