3830 450th Rd ELothairMT59461
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 3830 450th Rd E, Lothair, MT, 59461 in Lothair delivers $2,321/mo in gross rent and $338/mo in net monthly income at a $325,000 entry. The 8.44% yield and 1.59 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $89,792 over five years and $2,993/yr in equity from loan paydown, total projected return is $147,102.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $338 | $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 | $2,321 |
| Total Monthly Debt Service | $1,817 |
| DSCR Ratio | 1.28x |
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.
Manufactured
Built in 2005
4.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59461, Lothair, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12 (100%) |
| Owner Occupied HU | 6 (50.0%) |
| Renter Occupied HU | 4 (33.3%) |
| Vacant Housing Units | 2 (16.7%) |
| Median Home Value | $162,500 |
| Average Home Value | $182,083 |
Housing Distribution
Address Breakdown
Residential
19
Single Family
19
Multi-Family
0
Businesses
0
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
Manufactured
Built in 2005
4.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59461, Lothair, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12 (100%) |
| Owner Occupied HU | 6 (50.0%) |
| Renter Occupied HU | 4 (33.3%) |
| Vacant Housing Units | 2 (16.7%) |
| Median Home Value | $162,500 |
| Average Home Value | $182,083 |
Housing Distribution
Address Breakdown
Residential
19
Single Family
19
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Derek Fraser • Backroad Realty Inc.
Mls Name: MRMLS
Mls Provider:
Mls ID: #30051417
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.