1614 Cinch RdBillingsMT59105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1614 Cinch Rd, Billings, MT, 59105 in Billings: $4,205/mo in rent, $646/mo in net income, 8.29% gross yield, 1.54 DSCR, all at $609,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $168,255 in appreciation and $5,609/yr in principal paydown projects total cumulative return of $271,608.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $646 | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,205 |
| Total Monthly Debt Service | $3,317 |
| DSCR Ratio | 1.27x |
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 2013
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59105, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,483 (100%) |
| Owner Occupied HU | 9,860 (68.1%) |
| Renter Occupied HU | 3,815 (26.3%) |
| Vacant Housing Units | 808 ( 5.6%) |
| Median Home Value | $374,775 |
| Average Home Value | $409,000 |
Housing Distribution
Address Breakdown
Residential
13,800
Single Family
13,406
Multi-Family
394
Businesses
770
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 2013
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59105, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,483 (100%) |
| Owner Occupied HU | 9,860 (68.1%) |
| Renter Occupied HU | 3,815 (26.3%) |
| Vacant Housing Units | 808 ( 5.6%) |
| Median Home Value | $374,775 |
| Average Home Value | $409,000 |
Housing Distribution
Address Breakdown
Residential
13,800
Single Family
13,406
Multi-Family
394
Businesses
770
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices