120 One Way LoopHamiltonMT59840
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder120 One Way Loop, Hamilton, MT, 59840 in Hamilton earns a respectable 7.26% gross yield at $445,000, but after the $2,001/mo mortgage the net cash flow is $63/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.35) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $122,945 over five years, making equity the dominant return driver. Total projected return: $172,238.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $63 | $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 | $2,694 |
| Total Monthly Debt Service | $2,454 |
| DSCR Ratio | 1.10x |
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.
Townhouse
Built in 2021
5,445 sqft lot
$N/A/sqft
$300 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59840, Hamilton, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,595 (100%) |
| Owner Occupied HU | 4,870 (64.1%) |
| Renter Occupied HU | 2,126 (28.0%) |
| Vacant Housing Units | 599 ( 7.9%) |
| Median Home Value | $476,762 |
| Average Home Value | $604,287 |
Housing Distribution
Address Breakdown
Residential
6,785
Single Family
6,552
Multi-Family
233
Businesses
915
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
Townhouse
Built in 2021
5,445 sqft lot
$N/A/sqft
$300 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59840, Hamilton, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,595 (100%) |
| Owner Occupied HU | 4,870 (64.1%) |
| Renter Occupied HU | 2,126 (28.0%) |
| Vacant Housing Units | 599 ( 7.9%) |
| Median Home Value | $476,762 |
| Average Home Value | $604,287 |
Housing Distribution
Address Breakdown
Residential
6,785
Single Family
6,552
Multi-Family
233
Businesses
915
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bailey Jessop • Engel & Vlkers Western Frontier - Hamilton
Mls Name: MRMLS
Mls Provider:
Mls ID: #30055738
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.