225 Railroad AveRinglingMT59642
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 225 Railroad Ave, Ringling, MT, 59642 in Ringling. Priced at $117,600, it generates $1,346/mo in gross rent and $659/mo in net monthly cash flow, a 13.74% yield that comfortably supports the 2.54 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,909. Five-year appreciation: $32,491. Equity from principal paydown: $1,083/yr. Total projected cumulative return: $86,833.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.7% | 6.2% |
| Monthly Cash Flow | $659 | $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 | $1,346 |
| Total Monthly Debt Service | $641 |
| DSCR Ratio | 2.10x |
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 1920
3,528 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59642, Ringling, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 51 (100%) |
| Owner Occupied HU | 27 (52.9%) |
| Renter Occupied HU | 4 ( 7.8%) |
| Vacant Housing Units | 20 (39.2%) |
| Median Home Value | $312,500 |
| Average Home Value | $339,630 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 1920
3,528 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59642, Ringling, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 51 (100%) |
| Owner Occupied HU | 27 (52.9%) |
| Renter Occupied HU | 4 ( 7.8%) |
| Vacant Housing Units | 20 (39.2%) |
| Median Home Value | $312,500 |
| Average Home Value | $339,630 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.