314 5th St NFairfieldMT59436
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 314 5th St N, Fairfield, MT, 59436 in Fairfield: $867/mo in rent, $224/mo in net income, 9.46% gross yield, 1.75 DSCR, all at $110,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $30,391 in appreciation and $1,013/yr in principal paydown projects total cumulative return of $55,969.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $224 | $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 | $867 |
| Total Monthly Debt Service | $599 |
| 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.
Single Family
Built in 1920
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59436, Fairfield, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 876 (100%) |
| Owner Occupied HU | 593 (67.7%) |
| Renter Occupied HU | 195 (22.3%) |
| Vacant Housing Units | 88 (10.0%) |
| Median Home Value | $337,025 |
| Average Home Value | $367,559 |
Housing Distribution
Address Breakdown
Residential
410
Single Family
410
Multi-Family
0
Businesses
71
Nearby investment properties with comparable rents
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 1920
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59436, Fairfield, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 876 (100%) |
| Owner Occupied HU | 593 (67.7%) |
| Renter Occupied HU | 195 (22.3%) |
| Vacant Housing Units | 88 (10.0%) |
| Median Home Value | $337,025 |
| Average Home Value | $367,559 |
Housing Distribution
Address Breakdown
Residential
410
Single Family
410
Multi-Family
0
Businesses
71
Nearby investment properties with comparable rents