1125 N River Rock Dr Unit 3BelgradeMT59714
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1125 N River Rock Dr Unit 3, Belgrade, MT, 59714 in Belgrade deserves attention. This $489,000 property earns $4,076/mo in rent, a 10% gross yield, and nets $1,185/mo after the $2,199/mo payment. DSCR 1.85 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $135,102 compounds alongside $4,504/yr in yearly equity build, for a total cumulative return of $263,079.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 5.2% |
| Monthly Cash Flow | $1,185 | $850 |
City averages based on Belgrade market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,076 |
| Total Monthly Debt Service | $2,663 |
| DSCR Ratio | 1.53x |
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.
Condo
Built in 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59714, Belgrade, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,219 (100%) |
| Owner Occupied HU | 6,896 (67.5%) |
| Renter Occupied HU | 2,631 (25.7%) |
| Vacant Housing Units | 692 ( 6.8%) |
| Median Home Value | $630,225 |
| Average Home Value | $770,323 |
Housing Distribution
Address Breakdown
Residential
9,478
Single Family
9,422
Multi-Family
56
Businesses
1,163
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
Condo
Built in 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59714, Belgrade, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,219 (100%) |
| Owner Occupied HU | 6,896 (67.5%) |
| Renter Occupied HU | 2,631 (25.7%) |
| Vacant Housing Units | 692 ( 6.8%) |
| Median Home Value | $630,225 |
| Average Home Value | $770,323 |
Housing Distribution
Address Breakdown
Residential
9,478
Single Family
9,422
Multi-Family
56
Businesses
1,163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices