14372 Us Highway 2 EEssexMT59916
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.32% gross rental yield, 14372 Us Highway 2 E, Essex, MT, 59916 in Essex is priced for capital growth, not immediate cash flow. The $380,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $104,987 by year five, with $3,500/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.99) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $108,462.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.2% |
| Monthly Cash Flow | $(546) | $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 | $1,684 |
| Total Monthly Debt Service | $2,078 |
| DSCR Ratio | 0.81x |
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 1950
0.46 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59916, Essex, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 345 (100%) |
| Owner Occupied HU | 88 (25.5%) |
| Renter Occupied HU | 28 ( 8.1%) |
| Vacant Housing Units | 229 (66.4%) |
| Median Home Value | $360,000 |
| Average Home Value | $491,648 |
Housing Distribution
Address Breakdown
Residential
119
Single Family
119
Multi-Family
0
Businesses
9
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 1950
0.46 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59916, Essex, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 345 (100%) |
| Owner Occupied HU | 88 (25.5%) |
| Renter Occupied HU | 28 ( 8.1%) |
| Vacant Housing Units | 229 (66.4%) |
| Median Home Value | $360,000 |
| Average Home Value | $491,648 |
Housing Distribution
Address Breakdown
Residential
119
Single Family
119
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa B Bartholomew • Montana Real Estate Associates
Mls Name: MRMLS
Mls Provider:
Mls ID: #30033630
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.