4751 LailaBillingsMT59106
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.72 makes 4751 Laila, Billings, MT, 59106 in Billings one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 9.51%. The 9.51% yield, 5% annual appreciation ($31,772 over five years), and $1,059/yr in principal reduction project a total cumulative return of $21,587.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $(360) | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $891 |
| Total Monthly Debt Service | $1,225 |
| DSCR Ratio | 0.73x |
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 2024
N/A lot
$N/A/sqft
$599 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59106, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,695 (100%) |
| Owner Occupied HU | 6,651 (68.6%) |
| Renter Occupied HU | 2,518 (26.0%) |
| Vacant Housing Units | 526 ( 5.4%) |
| Median Home Value | $574,002 |
| Average Home Value | $649,808 |
Housing Distribution
Address Breakdown
Residential
9,667
Single Family
9,297
Multi-Family
370
Businesses
301
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 2024
N/A lot
$N/A/sqft
$599 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59106, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,695 (100%) |
| Owner Occupied HU | 6,651 (68.6%) |
| Renter Occupied HU | 2,518 (26.0%) |
| Vacant Housing Units | 526 ( 5.4%) |
| Median Home Value | $574,002 |
| Average Home Value | $649,808 |
Housing Distribution
Address Breakdown
Residential
9,667
Single Family
9,297
Multi-Family
370
Businesses
301
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristina Larsen • eXp Realty, LLC - Billings
Mls Name: BMTMLS
Mls Provider:
Mls ID: #353219
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.