49 Two Dot HwyTwo DotMT59085
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 49 Two Dot Hwy, Two Dot, MT, 59085 in Two Dot. Rental yield 4.64%. At $300,000 with 4.64% gross yield, current distributions are modest, but the 5% appreciation rate projects $82,884 in new equity by year five, complemented by $2,763/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.86) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $75,124.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.2% |
| Monthly Cash Flow | $(593) | $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 | $1,160 |
| Total Monthly Debt Service | $1,634 |
| DSCR Ratio | 0.71x |
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 1920
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59085, Two Dot, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 191 (100%) |
| Owner Occupied HU | 91 (47.6%) |
| Renter Occupied HU | 33 (17.3%) |
| Vacant Housing Units | 67 (35.1%) |
| Median Home Value | $207,353 |
| Average Home Value | $241,758 |
Housing Distribution
Address Breakdown
Residential
21
Single Family
21
Multi-Family
0
Businesses
5
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 1920
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59085, Two Dot, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 191 (100%) |
| Owner Occupied HU | 91 (47.6%) |
| Renter Occupied HU | 33 (17.3%) |
| Vacant Housing Units | 67 (35.1%) |
| Median Home Value | $207,353 |
| Average Home Value | $241,758 |
Housing Distribution
Address Breakdown
Residential
21
Single Family
21
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rachel Moore • ERA Landmark Western Land
Mls Name: Big Sky Country MLS
Mls ID: #389858
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.