123 S 4th StBearcreekMT59007
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 123 S 4th St, Bearcreek, MT, 59007 in Bearcreek. At $259,900 it earns $2,069/mo in rent and distributes $550/mo to the owner after the $1,169/mo payment, a consistent 9.55% yield. DSCR 1.77 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $71,806 in value; $2,394/yr in principal paydown compounds ownership stake. Total projected return: $133,572.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $550 | $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 | $2,069 |
| Total Monthly Debt Service | $1,416 |
| DSCR Ratio | 1.46x |
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 1992
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59007, Bearcreek, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 71 (100%) |
| Owner Occupied HU | 41 (57.7%) |
| Renter Occupied HU | 9 (12.7%) |
| Vacant Housing Units | 21 (29.6%) |
| Median Home Value | $492,857 |
| Average Home Value | $667,317 |
Housing Distribution
Address Breakdown
Residential
11
Single Family
11
Multi-Family
0
Businesses
5
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 1992
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59007, Bearcreek, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 71 (100%) |
| Owner Occupied HU | 41 (57.7%) |
| Renter Occupied HU | 9 (12.7%) |
| Vacant Housing Units | 21 (29.6%) |
| Median Home Value | $492,857 |
| Average Home Value | $667,317 |
Housing Distribution
Address Breakdown
Residential
11
Single Family
11
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices