12800 Mill Creek RdLoloMT59847
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 12800 Mill Creek Rd, Lolo, MT, 59847 in Lolo. Rental yield 5.88%. At $795,000 with 5.88% gross yield, current distributions are modest, but the 5% appreciation rate projects $219,644 in new equity by year five, complemented by $7,322/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.11) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $256,401.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.2% |
| Monthly Cash Flow | $(771) | $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 | $3,965 |
| Total Monthly Debt Service | $4,330 |
| DSCR Ratio | 0.92x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2018
2.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59847, Lolo, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,636 (100%) |
| Owner Occupied HU | 2,061 (78.2%) |
| Renter Occupied HU | 434 (16.5%) |
| Vacant Housing Units | 141 ( 5.3%) |
| Median Home Value | $466,699 |
| Average Home Value | $519,380 |
Housing Distribution
Address Breakdown
Residential
2,238
Single Family
2,169
Multi-Family
69
Businesses
195
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 2018
2.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59847, Lolo, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,636 (100%) |
| Owner Occupied HU | 2,061 (78.2%) |
| Renter Occupied HU | 434 (16.5%) |
| Vacant Housing Units | 141 ( 5.3%) |
| Median Home Value | $466,699 |
| Average Home Value | $519,380 |
Housing Distribution
Address Breakdown
Residential
2,238
Single Family
2,169
Multi-Family
69
Businesses
195
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Miranda Malnar • Silvercreek Realty Group LLC - MT
Mls Name: MRMLS
Mls Provider:
Mls ID: #30051343
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.