471 Shalom DrLibbyMT59923
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 471 Shalom Dr, Libby, MT, 59923 in Libby. Rental yield 4.94%. At $678,000 with 4.94% gross yield, current distributions are modest, but the 5% appreciation rate projects $187,319 in new equity by year five, complemented by $6,244/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.91) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $180,530.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(1,174) | $450 |
City averages based on Libby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,789 |
| Total Monthly Debt Service | $3,693 |
| DSCR Ratio | 0.76x |
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 1993
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59923, Libby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,723 (100%) |
| Owner Occupied HU | 3,856 (67.4%) |
| Renter Occupied HU | 1,196 (20.9%) |
| Vacant Housing Units | 671 (11.7%) |
| Median Home Value | $276,023 |
| Average Home Value | $389,054 |
Housing Distribution
Address Breakdown
Residential
4,589
Single Family
4,504
Multi-Family
85
Businesses
543
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 1993
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59923, Libby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,723 (100%) |
| Owner Occupied HU | 3,856 (67.4%) |
| Renter Occupied HU | 1,196 (20.9%) |
| Vacant Housing Units | 671 (11.7%) |
| Median Home Value | $276,023 |
| Average Home Value | $389,054 |
Housing Distribution
Address Breakdown
Residential
4,589
Single Family
4,504
Multi-Family
85
Businesses
543
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Douglas DeShazer • DeShazer Ryan Realty
Mls Name: MRMLS
Mls Provider:
Mls ID: #30034227
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.