438 Little Mill Creek RdSaint RegisMT59866
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 438 Little Mill Creek Rd, Saint Regis, MT, 59866 in Saint Regis worth study. Rental yield 3.24%. The 3.24% gross yield is below cash-flow benchmarks at $550,000, but 5% annual appreciation, adding $151,955 over five years, frames this as a capital growth position. Rent of $1,500/mo partially offsets the $2,473/mo payment. Ziffy Mortgage finances appreciation-play properties (0.61 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $97,422.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 6.2% |
| Monthly Cash Flow | $(1,731) | $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 | $1,500 |
| Total Monthly Debt Service | $2,996 |
| 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 1984
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59866, Saint Regis, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 791 (100%) |
| Owner Occupied HU | 423 (53.5%) |
| Renter Occupied HU | 121 (15.3%) |
| Vacant Housing Units | 247 (31.2%) |
| Median Home Value | $377,338 |
| Average Home Value | $438,014 |
Housing Distribution
Address Breakdown
Residential
233
Single Family
233
Multi-Family
0
Businesses
32
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 1984
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59866, Saint Regis, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 791 (100%) |
| Owner Occupied HU | 423 (53.5%) |
| Renter Occupied HU | 121 (15.3%) |
| Vacant Housing Units | 247 (31.2%) |
| Median Home Value | $377,338 |
| Average Home Value | $438,014 |
Housing Distribution
Address Breakdown
Residential
233
Single Family
233
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacy M Kendrick • Windermere - Helena
Mls Name: MRMLS
Mls Provider:
Mls ID: #30050781
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.