42818 La Bella LnElmoMT59910
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Elmo at 42818 La Bella Ln, Elmo, MT, 59910 projects strong ROI of 0.36%. Rental yield 0.72%. With 5% annual appreciation, the property builds $1,036,056 in value over five years. Equity growth combined delivers a projected five-year ROI of 14.14%, translating into $149,842 in total cumulative return on $1,059,375 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0.7% | 6.2% |
| Monthly Cash Flow | $(19,681) | $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 | $2,236 |
| Total Monthly Debt Service | $20,425 |
| DSCR Ratio | 0.11x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2019
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59910, Big Arm, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 353 (100%) |
| Owner Occupied HU | 201 (56.9%) |
| Renter Occupied HU | 31 ( 8.8%) |
| Vacant Housing Units | 121 (34.3%) |
| Median Home Value | $647,917 |
| Average Home Value | $721,194 |
Housing Distribution
Address Breakdown
Residential
105
Single Family
105
Multi-Family
0
Businesses
13
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 2019
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59910, Big Arm, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 353 (100%) |
| Owner Occupied HU | 201 (56.9%) |
| Renter Occupied HU | 31 ( 8.8%) |
| Vacant Housing Units | 121 (34.3%) |
| Median Home Value | $647,917 |
| Average Home Value | $721,194 |
Housing Distribution
Address Breakdown
Residential
105
Single Family
105
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices