38594 4th St W #MFCharloMT59824
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 38594 4th St W #MF, Charlo, MT, 59824 in Charlo is capital appreciation. Rental yield 0%. The 0% gross yield at $399,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $110,485 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.00) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $697.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 6.2% |
| Monthly Cash Flow | $0 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
Multi Family
Built in 1930
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59824, Charlo, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 671 (100%) |
| Owner Occupied HU | 477 (71.1%) |
| Renter Occupied HU | 133 (19.8%) |
| Vacant Housing Units | 61 ( 9.1%) |
| Median Home Value | $487,778 |
| Average Home Value | $492,683 |
Housing Distribution
Address Breakdown
Residential
512
Single Family
512
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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
Multi Family
Built in 1930
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59824, Charlo, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 671 (100%) |
| Owner Occupied HU | 477 (71.1%) |
| Renter Occupied HU | 133 (19.8%) |
| Vacant Housing Units | 61 ( 9.1%) |
| Median Home Value | $487,778 |
| Average Home Value | $492,683 |
Housing Distribution
Address Breakdown
Residential
512
Single Family
512
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices