278 Central AveBeltMT59412
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 278 Central Ave, Belt, MT, 59412 in Belt fits: $350,000, 3.7% gross yield, and a projected 5% annual appreciation rate adding $96,699 in value within five years. Rental yield 3.7%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.69) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,224/yr in principal paydown and $96,699 in appreciation project a total return of $70,063.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.2% |
| Monthly Cash Flow | $(966) | $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 | $1,080 |
| Total Monthly Debt Service | $1,906 |
| DSCR Ratio | 0.57x |
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.
Manufactured
Built in 2023
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59412, Belt, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 794 (100%) |
| Owner Occupied HU | 551 (69.4%) |
| Renter Occupied HU | 109 (13.7%) |
| Vacant Housing Units | 134 (16.9%) |
| Median Home Value | $338,889 |
| Average Home Value | $387,999 |
Housing Distribution
Address Breakdown
Residential
343
Single Family
343
Multi-Family
0
Businesses
55
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 2023
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59412, Belt, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 794 (100%) |
| Owner Occupied HU | 551 (69.4%) |
| Renter Occupied HU | 109 (13.7%) |
| Vacant Housing Units | 134 (16.9%) |
| Median Home Value | $338,889 |
| Average Home Value | $387,999 |
Housing Distribution
Address Breakdown
Residential
343
Single Family
343
Multi-Family
0
Businesses
55
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices