20 Higgins LnGreat FallsMT59404
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 20 Higgins Ln, Great Falls, MT, 59404 in Great Falls fits: $980,000, 5.97% gross yield, and a projected 5% annual appreciation rate adding $270,756 in value within five years. Rental yield 5.97%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.11) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,026/yr in principal paydown and $270,756 in appreciation project a total return of $315,422.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.1% |
| Monthly Cash Flow | $(883) | $420 |
City averages based on Great Falls market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,878 |
| Total Monthly Debt Service | $5,338 |
| DSCR Ratio | 0.91x |
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 2026
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59404, Great Falls, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,052 (100%) |
| Owner Occupied HU | 9,156 (76.0%) |
| Renter Occupied HU | 2,234 (18.5%) |
| Vacant Housing Units | 662 ( 5.5%) |
| Median Home Value | $344,349 |
| Average Home Value | $396,387 |
Housing Distribution
Address Breakdown
Residential
12,025
Single Family
11,906
Multi-Family
119
Businesses
601
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 2026
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59404, Great Falls, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,052 (100%) |
| Owner Occupied HU | 9,156 (76.0%) |
| Renter Occupied HU | 2,234 (18.5%) |
| Vacant Housing Units | 662 ( 5.5%) |
| Median Home Value | $344,349 |
| Average Home Value | $396,387 |
Housing Distribution
Address Breakdown
Residential
12,025
Single Family
11,906
Multi-Family
119
Businesses
601
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ashley Friesen • Threshold Real Estate, Inc
Mls Name: MRMLS
Mls ID: #30064992