23877 3rd StDaytonMT59914
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 23877 3rd St, Dayton, MT, 59914 in Dayton is capital appreciation. Rental yield 3.93%. The 3.93% gross yield at $925,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $255,560 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.73) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $196,574.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.2% |
| Monthly Cash Flow | $(2,375) | $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 | $3,031 |
| Total Monthly Debt Service | $5,038 |
| DSCR Ratio | 0.60x |
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 2011
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59914, Dayton, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 259 (100%) |
| Owner Occupied HU | 116 (44.8%) |
| Renter Occupied HU | 14 ( 5.4%) |
| Vacant Housing Units | 129 (49.8%) |
| Median Home Value | $726,744 |
| Average Home Value | $837,198 |
Housing Distribution
Address Breakdown
Residential
27
Single Family
27
Multi-Family
0
Businesses
26
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 2011
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59914, Dayton, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 259 (100%) |
| Owner Occupied HU | 116 (44.8%) |
| Renter Occupied HU | 14 ( 5.4%) |
| Vacant Housing Units | 129 (49.8%) |
| Median Home Value | $726,744 |
| Average Home Value | $837,198 |
Housing Distribution
Address Breakdown
Residential
27
Single Family
27
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: J. Malcolm Swan • Mission Bay Real Estate
Mls Name: MRMLS
Mls Provider:
Mls ID: #30043615
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.