4960 Whisper WayBillingsMT59106
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4960 Whisper Way, Billings, MT, 59106 in Billings at $585,000 earns $3,838/mo in rent and nets $69/mo after the $2,631/mo payment, a 7.87% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $161,625 over five years. Ziffy Mortgage underwrites this on a 1.46 DSCR without U.S. credit history. With $5,388/yr in principal paydown, total projected return reaches $247,899.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $69 | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,838 |
| Total Monthly Debt Service | $3,186 |
| DSCR Ratio | 1.20x |
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
7,840 sqft lot
$N/A/sqft
No 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 2022
7,840 sqft lot
$N/A/sqft
No 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