2085 S 13th RdBallantineMT59006
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2085 S 13th Rd, Ballantine, MT, 59006 in Ballantine fits: $739,999, 5.44% gross yield, and a projected 5% annual appreciation rate adding $204,448 in value within five years. Rental yield 5.44%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.01) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,815/yr in principal paydown and $204,448 in appreciation project a total return of $217,028.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(970) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,355 |
| Total Monthly Debt Service | $4,031 |
| DSCR Ratio | 0.83x |
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 2005
1.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59006, Ballantine, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 430 (100%) |
| Owner Occupied HU | 323 (75.1%) |
| Renter Occupied HU | 68 (15.8%) |
| Vacant Housing Units | 39 ( 9.1%) |
| Median Home Value | $399,576 |
| Average Home Value | $483,305 |
Housing Distribution
Address Breakdown
Residential
249
Single Family
249
Multi-Family
0
Businesses
7
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 2005
1.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59006, Ballantine, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 430 (100%) |
| Owner Occupied HU | 323 (75.1%) |
| Renter Occupied HU | 68 (15.8%) |
| Vacant Housing Units | 39 ( 9.1%) |
| Median Home Value | $399,576 |
| Average Home Value | $483,305 |
Housing Distribution
Address Breakdown
Residential
249
Single Family
249
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Greg Judson • Century 21 Hometown Brokers
Mls Name: BMTMLS
Mls ID: #354588