404 Montana StWestbyMT59275
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 404 Montana St, Westby, MT, 59275 in Westby at $165,000 earns $1,106/mo in rent and nets $142/mo after the $782/mo payment, a 8.05% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $45,586 over five years. Ziffy Mortgage underwrites this on a 1.41 DSCR without U.S. credit history. With $1,383/yr in principal paydown, total projected return reaches $68,385.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $142 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,106 |
| Total Monthly Debt Service | $939 |
| DSCR Ratio | 1.18x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1915
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59275, Westby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 217 (100%) |
| Owner Occupied HU | 110 (50.7%) |
| Renter Occupied HU | 35 (16.1%) |
| Vacant Housing Units | 72 (33.2%) |
| Median Home Value | $100,000 |
| Average Home Value | $159,114 |
Housing Distribution
Address Breakdown
Residential
63
Single Family
63
Multi-Family
0
Businesses
9
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
