319 Highway 243SacoMT59261
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Saco rental at 319 Highway 243, Saco, MT, 59261 sits in the solid-income band: 9.27% gross yield, $1,348/mo rent, $328/mo net after the $785/mo debt service, DSCR 1.72. Entry price of $174,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $48,211 and $1,607/yr in principal reduction bring total cumulative return to $87,049.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $328 | $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 | $1,348 |
| Total Monthly Debt Service | $950 |
| DSCR Ratio | 1.42x |
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 1915
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59261, Saco, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 223 (100%) |
| Owner Occupied HU | 122 (54.7%) |
| Renter Occupied HU | 40 (17.9%) |
| Vacant Housing Units | 61 (27.4%) |
| Median Home Value | $286,667 |
| Average Home Value | $478,094 |
Housing Distribution
Address Breakdown
Residential
81
Single Family
81
Multi-Family
0
Businesses
16
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 1915
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59261, Saco, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 223 (100%) |
| Owner Occupied HU | 122 (54.7%) |
| Renter Occupied HU | 40 (17.9%) |
| Vacant Housing Units | 61 (27.4%) |
| Median Home Value | $286,667 |
| Average Home Value | $478,094 |
Housing Distribution
Address Breakdown
Residential
81
Single Family
81
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices