2209 Ruby Gulch RdLewistownMT59457
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 2209 Ruby Gulch Rd, Lewistown, MT, 59457 in Lewistown. Rental yield 2.16%. At $800,000 with 2.16% gross yield, current distributions are modest, but the 5% appreciation rate projects $221,025 in new equity by year five, complemented by $7,368/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.40) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $94,075.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.2% | 6.8% |
| Monthly Cash Flow | $(3,233) | $450 |
City averages based on Lewistown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,442 |
| Total Monthly Debt Service | $4,357 |
| DSCR Ratio | 0.33x |
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.
Home Type Unknown
Built in 2006
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59457, Lewistown, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,673 (100%) |
| Owner Occupied HU | 2,888 (61.8%) |
| Renter Occupied HU | 1,206 (25.8%) |
| Vacant Housing Units | 579 (12.4%) |
| Median Home Value | $227,704 |
| Average Home Value | $317,697 |
Housing Distribution
Address Breakdown
Residential
4,102
Single Family
3,923
Multi-Family
179
Businesses
652
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
Home Type Unknown
Built in 2006
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59457, Lewistown, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,673 (100%) |
| Owner Occupied HU | 2,888 (61.8%) |
| Renter Occupied HU | 1,206 (25.8%) |
| Vacant Housing Units | 579 (12.4%) |
| Median Home Value | $227,704 |
| Average Home Value | $317,697 |
Housing Distribution
Address Breakdown
Residential
4,102
Single Family
3,923
Multi-Family
179
Businesses
652
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices