26 Willow LnTrout CreekMT59874
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 26 Willow Ln, Trout Creek, MT, 59874 in Trout Creek at $969,000, 2.5% gross yield, is a market-growth asset. Rental yield 2.5%. The $2,018/mo rent partially funds the $4,357/mo debt service; the core return is the 5%/yr price growth projected to add $267,717 over five years. Ziffy Mortgage's DSCR mortgage (0.46) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $131,438.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.2% |
| Monthly Cash Flow | $(3,645) | $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 | $2,018 |
| Total Monthly Debt Service | $5,278 |
| DSCR Ratio | 0.38x |
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 1975
11.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59874, Trout Creek, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,030 (100%) |
| Owner Occupied HU | 655 (63.6%) |
| Renter Occupied HU | 123 (11.9%) |
| Vacant Housing Units | 252 (24.5%) |
| Median Home Value | $618,346 |
| Average Home Value | $632,286 |
Housing Distribution
Address Breakdown
Residential
529
Single Family
529
Multi-Family
0
Businesses
56
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 1975
11.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59874, Trout Creek, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,030 (100%) |
| Owner Occupied HU | 655 (63.6%) |
| Renter Occupied HU | 123 (11.9%) |
| Vacant Housing Units | 252 (24.5%) |
| Median Home Value | $618,346 |
| Average Home Value | $632,286 |
Housing Distribution
Address Breakdown
Residential
529
Single Family
529
Multi-Family
0
Businesses
56
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joanna Williams • Montana Realty Partners
Mls Name: MRMLS
Mls ID: #30061803