20440 Montana StLivingstonLA70754
INVESTMENT ANALYSIS
Investment Verdict
Solid Income20440 Montana St, Livingston, LA, 70754 in Livingston is a solid income-producing rental, 8.23% gross yield, $4,368/mo rent, $422/mo net cash flow on a $637,000 buy. DSCR 1.53 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $175,991 and $5,867/yr in principal reduction project a total cumulative return of $268,730.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 9.0% |
| Monthly Cash Flow | $422 | $1,750 |
City averages based on Livingston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,368 |
| Total Monthly Debt Service | $3,692 |
| DSCR Ratio | 1.18x |
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 1992
1.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70754, Livingston, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,195 (100%) |
| Owner Occupied HU | 3,842 (74.0%) |
| Renter Occupied HU | 877 (16.9%) |
| Vacant Housing Units | 476 ( 9.2%) |
| Median Home Value | $237,811 |
| Average Home Value | $275,360 |
Housing Distribution
Address Breakdown
Residential
4,530
Single Family
4,488
Multi-Family
42
Businesses
250
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 1992
1.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70754, Livingston, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,195 (100%) |
| Owner Occupied HU | 3,842 (74.0%) |
| Renter Occupied HU | 877 (16.9%) |
| Vacant Housing Units | 476 ( 9.2%) |
| Median Home Value | $237,811 |
| Average Home Value | $275,360 |
Housing Distribution
Address Breakdown
Residential
4,530
Single Family
4,488
Multi-Family
42
Businesses
250
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GSREIN
Mls ID: #2549394