45749 Lark CtBig ArmMT59910
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 45749 Lark Ct, Big Arm, MT, 59910 in Big Arm fits: $1,150,000, 4.33% gross yield, and a projected 5% annual appreciation rate adding $317,724 in value within five years. Rental yield 4.33%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.80) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,592/yr in principal paydown and $317,724 in appreciation project a total return of $268,574.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.2% |
| Monthly Cash Flow | $(2,595) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,145 |
| Total Monthly Debt Service | $6,264 |
| DSCR Ratio | 0.66x |
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 2009
9.87 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 2009
9.87 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