207 9th Ave SShelbyMT59474
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 207 9th Ave S, Shelby, MT, 59474 in Shelby. Priced at $245,000, it generates $2,117/mo in gross rent and $685/mo in net monthly cash flow, a 10.37% yield that comfortably supports the 1.92 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,219. Five-year appreciation: $67,689. Equity from principal paydown: $2,256/yr. Total projected cumulative return: $136,636.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.0% |
| Monthly Cash Flow | $685 | $300 |
City averages based on Shelby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,117 |
| Total Monthly Debt Service | $1,334 |
| DSCR Ratio | 1.59x |
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 1948
10,323 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59474, Shelby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,630 (100%) |
| Owner Occupied HU | 825 (50.6%) |
| Renter Occupied HU | 429 (26.3%) |
| Vacant Housing Units | 376 (23.1%) |
| Median Home Value | $235,112 |
| Average Home Value | $297,739 |
Housing Distribution
Address Breakdown
Residential
1,193
Single Family
1,064
Multi-Family
129
Businesses
231
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 1948
10,323 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59474, Shelby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,630 (100%) |
| Owner Occupied HU | 825 (50.6%) |
| Renter Occupied HU | 429 (26.3%) |
| Vacant Housing Units | 376 (23.1%) |
| Median Home Value | $235,112 |
| Average Home Value | $297,739 |
Housing Distribution
Address Breakdown
Residential
1,193
Single Family
1,064
Multi-Family
129
Businesses
231
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices