309 20th Ave SGreat FallsMT59405
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 309 20th Ave S, Great Falls, MT, 59405 in Great Falls at $219,900 earns $1,968/mo in rent and nets $123/mo after the $989/mo payment, a 8.58% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $60,754 over five years. Ziffy Mortgage underwrites this on a 1.99 DSCR without U.S. credit history. With $2,025/yr in principal paydown, total projected return reaches $117,185.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.1% |
| Monthly Cash Flow | $123 | $420 |
City averages based on Great Falls market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,968 |
| Total Monthly Debt Service | $1,361 |
| DSCR Ratio | 1.45x |
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.
Townhouse
Built in 1983
3,223 sqft lot
$N/A/sqft
$140 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59405, Great Falls, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,339 (100%) |
| Owner Occupied HU | 7,498 (48.9%) |
| Renter Occupied HU | 6,585 (42.9%) |
| Vacant Housing Units | 1,256 ( 8.2%) |
| Median Home Value | $263,717 |
| Average Home Value | $330,908 |
Housing Distribution
Address Breakdown
Residential
15,583
Single Family
13,599
Multi-Family
1,984
Businesses
990
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
Townhouse
Built in 1983
3,223 sqft lot
$N/A/sqft
$140 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59405, Great Falls, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,339 (100%) |
| Owner Occupied HU | 7,498 (48.9%) |
| Renter Occupied HU | 6,585 (42.9%) |
| Vacant Housing Units | 1,256 ( 8.2%) |
| Median Home Value | $263,717 |
| Average Home Value | $330,908 |
Housing Distribution
Address Breakdown
Residential
15,583
Single Family
13,599
Multi-Family
1,984
Businesses
990
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Trevor Niswanger • LifeStyle Real Estate Firm
Mls Name: MRMLS
Mls Provider:
Mls ID: #30043939
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.