312 12th Ave NShelbyMT59474








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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


Investment Highlights
Rental property for sale in Shelby at 312 12th Ave N, Shelby, MT, 59474 generates $1,141/mo in rent and, after a $727/mo payment, leaves $192/mo in cash flow. Total monthly income is $1,141/mo, and annual cash flow is $2,307/yr on $49,228 invested. Return on cash invested sits at 24.6% in year one, and rental yield is 9.22% on a $148,500 entry. Equity gained on principal adds $958/yr, while 5% annual appreciation builds toward $41,028 over five years. Five-year ROI reaches 128.3% and total cumulative return in cash sums $63,159. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $1,141/mo property income rather than buyer’s personal income.
Single Family
Built in 1949
6,316 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59474, Shelby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,630 (100%) |
| Owner Occupied HU | 825 (50.6%) |
| Renter Occupied HU | 429 (26.3%) |
| Vacant Housing Units | 376 (23.1%) |
| Median Home Value | $235,112 |
| Average Home Value | $297,739 |
Housing Distribution
Address Breakdown
Residential
1,193
Single Family
1,064
Multi-Family
129
Businesses
231
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Listed by: Tresha L Holden • East Slope Realty
Mls Name: MRMLS
Mls Provider:
Mls ID: #30054782
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.





