1630 Angel Oak LnBillingsMT59105
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1630 Angel Oak Ln, Billings, MT, 59105 in Billings worth study. Rental yield 3.5%. The 3.5% gross yield is below cash-flow benchmarks at $739,000, but 5% annual appreciation, adding $204,172 over five years, frames this as a capital growth position. Rent of $2,154/mo partially offsets the $3,323/mo payment. Ziffy Mortgage finances appreciation-play properties (0.65 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $124,768.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.0% |
| Monthly Cash Flow | $(2,415) | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,154 |
| Total Monthly Debt Service | $4,275 |
| DSCR Ratio | 0.50x |
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 2025
7,095 sqft lot
$N/A/sqft
$250 monthly 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 2025
7,095 sqft lot
$N/A/sqft
$250 monthly 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
Listed by: Clint Schultz • Coldwell Banker The Brokers
Mls Name: BMTMLS
Mls Provider:
Mls ID: #348351
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.