1116 Louisiana AveLibbyMT59923
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1116 Louisiana Ave, Libby, MT, 59923 in Libby speaks for itself: 11.26% gross on a $175,000 price, generating $1,642/mo in rent and $619/mo in net income after the $787/mo debt service. DSCR 2.09, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,426 stacks alongside $48,349 in projected five-year appreciation and $1,612/yr in principal reduction. Projected total cumulative return: $105,945.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.2% |
| Monthly Cash Flow | $619 | $450 |
City averages based on Libby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,642 |
| Total Monthly Debt Service | $953 |
| DSCR Ratio | 1.72x |
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 1910
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59923, Libby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,723 (100%) |
| Owner Occupied HU | 3,856 (67.4%) |
| Renter Occupied HU | 1,196 (20.9%) |
| Vacant Housing Units | 671 (11.7%) |
| Median Home Value | $276,023 |
| Average Home Value | $389,054 |
Housing Distribution
Address Breakdown
Residential
4,589
Single Family
4,504
Multi-Family
85
Businesses
543
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 1910
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59923, Libby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,723 (100%) |
| Owner Occupied HU | 3,856 (67.4%) |
| Renter Occupied HU | 1,196 (20.9%) |
| Vacant Housing Units | 671 (11.7%) |
| Median Home Value | $276,023 |
| Average Home Value | $389,054 |
Housing Distribution
Address Breakdown
Residential
4,589
Single Family
4,504
Multi-Family
85
Businesses
543
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cora Gilmore Nelson • Keller Williams Realty Northwest Montana
Mls Name: MRMLS
Mls Provider:
Mls ID: #30052637
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.