4735 Drake LnStevensvilleMT59870
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.28% yield at 4735 Drake Ln, Stevensville, MT, 59870 in Stevensville is solid, but the $3,935/mo payment compresses net cash flow to $185/mo at $875,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $241,746 by year five, and $8,059/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.35) without U.S. income documentation. Total projected return: $342,755.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $185 | $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 | $5,305 |
| Total Monthly Debt Service | $4,766 |
| DSCR Ratio | 1.11x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 2000
5.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59870, Stevensville, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,567 (100%) |
| Owner Occupied HU | 4,250 (76.3%) |
| Renter Occupied HU | 952 (17.1%) |
| Vacant Housing Units | 365 ( 6.6%) |
| Median Home Value | $549,270 |
| Average Home Value | $600,376 |
Housing Distribution
Address Breakdown
Residential
4,939
Single Family
4,895
Multi-Family
44
Businesses
413
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 2000
5.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59870, Stevensville, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,567 (100%) |
| Owner Occupied HU | 4,250 (76.3%) |
| Renter Occupied HU | 952 (17.1%) |
| Vacant Housing Units | 365 ( 6.6%) |
| Median Home Value | $549,270 |
| Average Home Value | $600,376 |
Housing Distribution
Address Breakdown
Residential
4,939
Single Family
4,895
Multi-Family
44
Businesses
413
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alexis Holland • Berkshire Hathaway HomeServices - Hamilton
Mls Name: MRMLS
Mls ID: #30043394