31625 Mount Harding LnRonanMT59864
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play31625 Mount Harding Ln, Ronan, MT, 59864 in Ronan is priced for appreciation, not yield. Rental yield 3.26%. At $599,000 with a 3.26% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $165,493 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.53) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $92,488.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.2% |
| Monthly Cash Flow | $(1,871) | $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 | $1,422 |
| Total Monthly Debt Service | $3,263 |
| DSCR Ratio | 0.44x |
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.
Single Family
Built in 2023
7.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59864, Ronan, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,058 (100%) |
| Owner Occupied HU | 1,971 (64.5%) |
| Renter Occupied HU | 913 (29.9%) |
| Vacant Housing Units | 174 ( 5.7%) |
| Median Home Value | $375,407 |
| Average Home Value | $459,305 |
Housing Distribution
Address Breakdown
Residential
2,335
Single Family
2,315
Multi-Family
20
Businesses
223
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 2023
7.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59864, Ronan, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,058 (100%) |
| Owner Occupied HU | 1,971 (64.5%) |
| Renter Occupied HU | 913 (29.9%) |
| Vacant Housing Units | 174 ( 5.7%) |
| Median Home Value | $375,407 |
| Average Home Value | $459,305 |
Housing Distribution
Address Breakdown
Residential
2,335
Single Family
2,315
Multi-Family
20
Businesses
223
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amber Leigh Isbell • eXp Realty - Kalispell
Mls Name: MRMLS
Mls Provider:
Mls ID: #30049877
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.