3946 E Ridge RdButteMT59701
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3946 E Ridge Rd, Butte, MT, 59701 in Butte worth study. Rental yield 5.25%. The 5.25% gross yield is below cash-flow benchmarks at $439,000, but 5% annual appreciation, adding $121,288 over five years, frames this as a capital growth position. Rent of $1,920/mo partially offsets the $1,974/mo payment. Ziffy Mortgage finances appreciation-play properties (0.97 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $124,248.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.8% |
| Monthly Cash Flow | $(646) | $2,150 |
City averages based on Butte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,920 |
| Total Monthly Debt Service | $2,391 |
| DSCR Ratio | 0.80x |
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 1996
1.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59701, Butte, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,257 (100%) |
| Owner Occupied HU | 10,355 (60.0%) |
| Renter Occupied HU | 5,210 (30.2%) |
| Vacant Housing Units | 1,692 ( 9.8%) |
| Median Home Value | $238,215 |
| Average Home Value | $334,147 |
Housing Distribution
Address Breakdown
Residential
15,993
Single Family
15,036
Multi-Family
957
Businesses
1,343
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 1996
1.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59701, Butte, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,257 (100%) |
| Owner Occupied HU | 10,355 (60.0%) |
| Renter Occupied HU | 5,210 (30.2%) |
| Vacant Housing Units | 1,692 ( 9.8%) |
| Median Home Value | $238,215 |
| Average Home Value | $334,147 |
Housing Distribution
Address Breakdown
Residential
15,993
Single Family
15,036
Multi-Family
957
Businesses
1,343
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mick Smith • Montana West Properties
Mls Name: Big Sky Country MLS
Mls ID: #405154
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.