27 9th StHavreMT59501
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.03% gross rental yield, 27 9th St, Havre, MT, 59501 in Havre is priced for capital growth, not immediate cash flow. The $375,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $103,606 by year five, with $3,454/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.75) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $81,644.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 4.8% |
| Monthly Cash Flow | $(933) | $285 |
City averages based on Havre market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,259 |
| Total Monthly Debt Service | $2,042 |
| DSCR Ratio | 0.62x |
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.
Multi Family
Built in 1960
8,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59501, Havre, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,834 (100%) |
| Owner Occupied HU | 3,246 (55.6%) |
| Renter Occupied HU | 1,757 (30.1%) |
| Vacant Housing Units | 831 (14.2%) |
| Median Home Value | $235,031 |
| Average Home Value | $303,541 |
Housing Distribution
Address Breakdown
Residential
5,086
Single Family
4,860
Multi-Family
226
Businesses
669
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
Multi Family
Built in 1960
8,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59501, Havre, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,834 (100%) |
| Owner Occupied HU | 3,246 (55.6%) |
| Renter Occupied HU | 1,757 (30.1%) |
| Vacant Housing Units | 831 (14.2%) |
| Median Home Value | $235,031 |
| Average Home Value | $303,541 |
Housing Distribution
Address Breakdown
Residential
5,086
Single Family
4,860
Multi-Family
226
Businesses
669
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices