413 E Spruce StLibbyMT59923
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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
Rental property for sale in Libby at 413 E Spruce St, Libby, MT, 59923 offers $1,391/mo rent that, after a $905/mo payment, leaves $310/mo cash flow. Total monthly income is $1,391/mo, and annual cash flow is $3,723/yr on $61,328 cash. Return on cash invested measures 25.98% in year one, and rental yield stands at 9.02% at a $185,000 entry. Equity gained on principal adds $1,194/yr while 5% annual appreciation compounds into $51,112 by year five. Five-year ROI records 135% and total cumulative return in cash reaches $82,791. Lending can use Ziffy Mortgage’s DSCR loan, which structures approval around $1,391/mo property income versus a $905/mo payment rather than borrower’s personal income verification through W2s, Salary slips, and Tax returns.
Single Family
Built in 1946
2,962 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59923, Libby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,723 (100%) |
| Owner Occupied HU | 3,856 (67.4%) |
| Renter Occupied HU | 1,196 (20.9%) |
| Vacant Housing Units | 671 (11.7%) |
| Median Home Value | $276,023 |
| Average Home Value | $389,054 |
Housing Distribution
Address Breakdown
Residential
4,589
Single Family
4,504
Multi-Family
85
Businesses
543
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