5232 Rich LnBillingsMT59106
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 5232 Rich Ln, Billings, MT, 59106 in Billings at $755,000, 5.25% gross yield, is a market-growth asset. Rental yield 5.25%. The $3,300/mo rent partially funds the $3,395/mo debt service; the core return is the 5%/yr price growth projected to add $208,593 over five years. Ziffy Mortgage's DSCR mortgage (0.97) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $213,554.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.0% |
| Monthly Cash Flow | $(1,113) | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,300 |
| Total Monthly Debt Service | $4,112 |
| DSCR Ratio | 0.80x |
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 2025
10,628 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 2025
10,628 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
Listed by: Douglas Wild • Century 21 Hometown Brokers
Mls Name: BMTMLS
Mls Provider:
Mls ID: #352258
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.