502 Illinois AveValierMT59486
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 502 Illinois Ave, Valier, MT, 59486 in Valier at $350,000 earns $2,086/mo in rent and nets $89/mo after the $1,574/mo payment, a 7.32% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $96,699 over five years. Ziffy Mortgage underwrites this on a 1.33 DSCR without U.S. credit history. With $3,224/yr in principal paydown, total projected return reaches $134,815.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $89 | $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 | $2,086 |
| Total Monthly Debt Service | $1,906 |
| DSCR Ratio | 1.09x |
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 1935
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59486, Valier, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 810 (100%) |
| Owner Occupied HU | 421 (52.0%) |
| Renter Occupied HU | 236 (29.1%) |
| Vacant Housing Units | 153 (18.9%) |
| Median Home Value | $290,104 |
| Average Home Value | $405,196 |
Housing Distribution
Address Breakdown
Residential
174
Single Family
174
Multi-Family
0
Businesses
35
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 1935
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59486, Valier, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 810 (100%) |
| Owner Occupied HU | 421 (52.0%) |
| Renter Occupied HU | 236 (29.1%) |
| Vacant Housing Units | 153 (18.9%) |
| Median Home Value | $290,104 |
| Average Home Value | $405,196 |
Housing Distribution
Address Breakdown
Residential
174
Single Family
174
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tresha L Holden • East Slope Realty
Mls Name: MRMLS
Mls Provider:
Mls ID: #30050652
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.