434 E Dillon StDillonMT59725
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play434 E Dillon St, Dillon, MT, 59725 in Dillon is priced for appreciation, not yield. Rental yield 3.28%. At $329,000 with a 3.28% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $90,897 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.61) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $58,487.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.2% |
| Monthly Cash Flow | $(1,023) | $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 | $900 |
| Total Monthly Debt Service | $1,792 |
| DSCR Ratio | 0.50x |
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 1930
7,230 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59725, Dillon, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,177 (100%) |
| Owner Occupied HU | 2,473 (59.2%) |
| Renter Occupied HU | 1,281 (30.7%) |
| Vacant Housing Units | 423 (10.1%) |
| Median Home Value | $361,235 |
| Average Home Value | $390,332 |
Housing Distribution
Address Breakdown
Residential
3,690
Single Family
3,592
Multi-Family
98
Businesses
545
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 1930
7,230 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59725, Dillon, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,177 (100%) |
| Owner Occupied HU | 2,473 (59.2%) |
| Renter Occupied HU | 1,281 (30.7%) |
| Vacant Housing Units | 423 (10.1%) |
| Median Home Value | $361,235 |
| Average Home Value | $390,332 |
Housing Distribution
Address Breakdown
Residential
3,690
Single Family
3,592
Multi-Family
98
Businesses
545
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices