422 E River Rock RdBelgradeMT59714
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 422 E River Rock Rd, Belgrade, MT, 59714 in Belgrade is narrow, $119/mo net on $3,600/mo rent after the $2,649/mo debt service, but the property operates at break-even-plus, not a loss. At $589,000 with a 7.33% yield, the long-run equity case via 5% appreciation ($162,730 over five years) and $5,425/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.36 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $232,580.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.2% |
| Monthly Cash Flow | $119 | $850 |
City averages based on Belgrade market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,600 |
| Total Monthly Debt Service | $3,208 |
| DSCR Ratio | 1.12x |
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.
Single Family
Built in 2003
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59714, Belgrade, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,219 (100%) |
| Owner Occupied HU | 6,896 (67.5%) |
| Renter Occupied HU | 2,631 (25.7%) |
| Vacant Housing Units | 692 ( 6.8%) |
| Median Home Value | $630,225 |
| Average Home Value | $770,323 |
Housing Distribution
Address Breakdown
Residential
9,478
Single Family
9,422
Multi-Family
56
Businesses
1,163
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 2003
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59714, Belgrade, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,219 (100%) |
| Owner Occupied HU | 6,896 (67.5%) |
| Renter Occupied HU | 2,631 (25.7%) |
| Vacant Housing Units | 692 ( 6.8%) |
| Median Home Value | $630,225 |
| Average Home Value | $770,323 |
Housing Distribution
Address Breakdown
Residential
9,478
Single Family
9,422
Multi-Family
56
Businesses
1,163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices