1705 Janie StBillingsMT59105
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.31% yield at 1705 Janie St, Billings, MT, 59105 in Billings is solid, but the $1,315/mo payment compresses net cash flow to $72/mo at $292,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $80,812 by year five, and $2,694/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.39) without U.S. income documentation. Total projected return: $118,225.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.0% |
| Monthly Cash Flow | $72 | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,829 |
| Total Monthly Debt Service | $1,593 |
| DSCR Ratio | 1.15x |
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 1967
10,001 sqft 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 1967
10,001 sqft 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
Listed by: Kim Edinger • Meridian Real Estate LLC
Mls Name: BMTMLS
Mls Provider:
Mls ID: #352083
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.