49 Alta RdJefferson CityMT59638
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 49 Alta Rd, Jefferson City, MT, 59638 in Jefferson City. At $699,900 it earns $4,325/mo in rent and distributes $218/mo to the owner after the $3,147/mo payment, a consistent 7.42% yield. DSCR 1.37 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $193,369 in value; $6,446/yr in principal paydown compounds ownership stake. Total projected return: $278,453.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $218 | $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 | $4,325 |
| Total Monthly Debt Service | $3,829 |
| DSCR Ratio | 1.13x |
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 2022
2.54 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59638, Jefferson City, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 358 (100%) |
| Owner Occupied HU | 269 (75.1%) |
| Renter Occupied HU | 43 (12.0%) |
| Vacant Housing Units | 46 (12.8%) |
| Median Home Value | $597,222 |
| Average Home Value | $604,257 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
9
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 2022
2.54 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59638, Jefferson City, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 358 (100%) |
| Owner Occupied HU | 269 (75.1%) |
| Renter Occupied HU | 43 (12.0%) |
| Vacant Housing Units | 46 (12.8%) |
| Median Home Value | $597,222 |
| Average Home Value | $604,257 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carson Woodland • Big Sky Brokers, LLC
Mls Name: MRMLS
Mls Provider:
Mls ID: #30034248
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.