42 Mountain West LoopWinstonMT59647
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 42 Mountain West Loop, Winston, MT, 59647 in Winston: $2,968/mo in rent, $472/mo in net income, 8.34% gross yield, 1.55 DSCR, all at $427,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $117,972 in appreciation and $3,933/yr in principal paydown projects total cumulative return of $191,708.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $472 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,968 |
| Total Monthly Debt Service | $2,326 |
| DSCR Ratio | 1.28x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2007
1.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59647, Winston, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 161 (100%) |
| Owner Occupied HU | 129 (80.1%) |
| Renter Occupied HU | 17 (10.6%) |
| Vacant Housing Units | 15 ( 9.3%) |
| Median Home Value | $540,441 |
| Average Home Value | $564,535 |
Housing Distribution
Address Breakdown
Residential
115
Single Family
115
Multi-Family
0
Businesses
2
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
Manufactured
Built in 2007
1.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59647, Winston, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 161 (100%) |
| Owner Occupied HU | 129 (80.1%) |
| Renter Occupied HU | 17 (10.6%) |
| Vacant Housing Units | 15 ( 9.3%) |
| Median Home Value | $540,441 |
| Average Home Value | $564,535 |
Housing Distribution
Address Breakdown
Residential
115
Single Family
115
Multi-Family
0
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices