295 Old Church RdOlneyMT59927
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 295 Old Church Rd, Olney, MT, 59927 in Olney worth modelling. At $655,000 with a 7.13% gross yield, the $3,893/mo rent leaves $65/mo after the $2,945/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.32 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $180,964 by year five; $6,033/yr in principal reduction adds further equity. Total projected return: $251,565.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $65 | $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 | $3,893 |
| Total Monthly Debt Service | $3,568 |
| DSCR Ratio | 1.09x |
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.
Single Family
Built in 1984
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59927, Olney, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 85 (100%) |
| Owner Occupied HU | 61 (71.8%) |
| Renter Occupied HU | 17 (20.0%) |
| Vacant Housing Units | 7 ( 8.2%) |
| Median Home Value | $812,500 |
| Average Home Value | $926,639 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
15
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 1984
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59927, Olney, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 85 (100%) |
| Owner Occupied HU | 61 (71.8%) |
| Renter Occupied HU | 17 (20.0%) |
| Vacant Housing Units | 7 ( 8.2%) |
| Median Home Value | $812,500 |
| Average Home Value | $926,639 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices