38 Five Mile Creek RdEdgarMT59026
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.62% gross rental yield, 38 Five Mile Creek Rd, Edgar, MT, 59026 in Edgar is priced for capital growth, not immediate cash flow. The $690,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $190,634 by year five, with $6,355/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.67) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $135,066.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.2% |
| Monthly Cash Flow | $(1,951) | $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 | $2,082 |
| Total Monthly Debt Service | $3,758 |
| DSCR Ratio | 0.55x |
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 2016
60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59026, Edgar, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 86 (100%) |
| Owner Occupied HU | 62 (72.1%) |
| Renter Occupied HU | 11 (12.8%) |
| Vacant Housing Units | 13 (15.1%) |
| Median Home Value | $416,667 |
| Average Home Value | $461,290 |
Housing Distribution
Address Breakdown
Residential
8
Single Family
8
Multi-Family
0
Businesses
6
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 2016
60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59026, Edgar, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 86 (100%) |
| Owner Occupied HU | 62 (72.1%) |
| Renter Occupied HU | 11 (12.8%) |
| Vacant Housing Units | 13 (15.1%) |
| Median Home Value | $416,667 |
| Average Home Value | $461,290 |
Housing Distribution
Address Breakdown
Residential
8
Single Family
8
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices