530 3rd Ave EGildfordMT59525
INVESTMENT ANALYSIS
Investment Verdict
Solid Income530 3rd Ave E, Gildford, MT, 59525 in Gildford is a solid income-producing rental, 8.25% gross yield, $1,829/mo rent, $274/mo net cash flow on a $266,000 buy. DSCR 1.53 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $73,491 and $2,450/yr in principal reduction project a total cumulative return of $118,163.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $274 | $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 | $1,829 |
| Total Monthly Debt Service | $1,449 |
| DSCR Ratio | 1.26x |
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 1912
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59525, Gildford, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 129 (100%) |
| Owner Occupied HU | 78 (60.5%) |
| Renter Occupied HU | 6 ( 4.7%) |
| Vacant Housing Units | 45 (34.9%) |
| Median Home Value | $200,000 |
| Average Home Value | $280,256 |
Housing Distribution
Address Breakdown
Residential
25
Single Family
25
Multi-Family
0
Businesses
17
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 1912
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59525, Gildford, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 129 (100%) |
| Owner Occupied HU | 78 (60.5%) |
| Renter Occupied HU | 6 ( 4.7%) |
| Vacant Housing Units | 45 (34.9%) |
| Median Home Value | $200,000 |
| Average Home Value | $280,256 |
Housing Distribution
Address Breakdown
Residential
25
Single Family
25
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices