4 Ratcliff RdHot SpringsMT59845
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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
Investment Highlights
Investment property for sale in Hot Springs at 4 Ratcliff Rd, Hot Springs, MT, 59845 offers a 13.93% rental yield on a $118,724 purchase with $1,378/mo rent. Total monthly income registers $1,378/mo, and a $581/mo payment leaves $670/mo available for distribution. Annual cash flow reaches $8,041/yr on $39,357 to close, and return on cash invested stands at 40.34% in year one. Equity gained on principal adds $766/yr while 5% annual appreciation supports $32,801 over five years. Portfolio math shows five-year ROI at 212.22% and total cumulative return in cash at $83,523. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $1,378/mo property income against a $581/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1910
20.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59845, Hot Springs, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 716 (100%) |
| Owner Occupied HU | 421 (58.8%) |
| Renter Occupied HU | 194 (27.1%) |
| Vacant Housing Units | 101 (14.1%) |
| Median Home Value | $257,447 |
| Average Home Value | $348,209 |
Housing Distribution
Address Breakdown
Residential
160
Single Family
160
Multi-Family
0
Businesses
64
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