228 White AveLibbyMT59923
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow228 White Ave, Libby, MT, 59923 in Libby is a top-tier cash-flow asset. At $185,000 it produces $1,800/mo in rent and $719/mo in net monthly income, a 11.68% gross rental yield. The DSCR of 2.16 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,625. Five-year appreciation adds $51,112, driving a total cumulative return of $116,165.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.2% |
| Monthly Cash Flow | $719 | $450 |
City averages based on Libby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,800 |
| Total Monthly Debt Service | $1,008 |
| DSCR Ratio | 1.79x |
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.
Manufactured
Built in 1977
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59923, Libby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,723 (100%) |
| Owner Occupied HU | 3,856 (67.4%) |
| Renter Occupied HU | 1,196 (20.9%) |
| Vacant Housing Units | 671 (11.7%) |
| Median Home Value | $276,023 |
| Average Home Value | $389,054 |
Housing Distribution
Address Breakdown
Residential
4,589
Single Family
4,504
Multi-Family
85
Businesses
543
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
Manufactured
Built in 1977
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59923, Libby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,723 (100%) |
| Owner Occupied HU | 3,856 (67.4%) |
| Renter Occupied HU | 1,196 (20.9%) |
| Vacant Housing Units | 671 (11.7%) |
| Median Home Value | $276,023 |
| Average Home Value | $389,054 |
Housing Distribution
Address Breakdown
Residential
4,589
Single Family
4,504
Multi-Family
85
Businesses
543
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Crawford Dinning • Libby Troy Realty
Mls Name: MRMLS
Mls Provider:
Mls ID: #30043916
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.