2255 Saddleback DrLaurelMT59044
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2255 Saddleback Dr, Laurel, MT, 59044 in Laurel is priced for appreciation, not yield. Rental yield 5.39%. At $925,000 with a 5.39% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $255,560 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.00) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $266,810.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 5.8% |
| Monthly Cash Flow | $(1,286) | $450 |
City averages based on Laurel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,158 |
| Total Monthly Debt Service | $5,076 |
| DSCR Ratio | 0.82x |
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 2010
0.87 Acres lot
$N/A/sqft
$38 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59044, Laurel, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,233 (100%) |
| Owner Occupied HU | 3,765 (71.9%) |
| Renter Occupied HU | 1,240 (23.7%) |
| Vacant Housing Units | 228 ( 4.4%) |
| Median Home Value | $382,330 |
| Average Home Value | $452,008 |
Housing Distribution
Address Breakdown
Residential
4,910
Single Family
4,858
Multi-Family
52
Businesses
401
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 2010
0.87 Acres lot
$N/A/sqft
$38 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59044, Laurel, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,233 (100%) |
| Owner Occupied HU | 3,765 (71.9%) |
| Renter Occupied HU | 1,240 (23.7%) |
| Vacant Housing Units | 228 ( 4.4%) |
| Median Home Value | $382,330 |
| Average Home Value | $452,008 |
Housing Distribution
Address Breakdown
Residential
4,910
Single Family
4,858
Multi-Family
52
Businesses
401
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kendal Mayer • Metro, REALTORS L.L.P
Mls Name: BMTMLS
Mls Provider:
Mls ID: #352251
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.