53315 Timberline WayCharloMT59824
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 53315 Timberline Way, Charlo, MT, 59824 in Charlo worth study. Rental yield 4.54%. The 4.54% gross yield is below cash-flow benchmarks at $665,000, but 5% annual appreciation, adding $183,727 over five years, frames this as a capital growth position. Rent of $2,514/mo partially offsets the $2,990/mo payment. Ziffy Mortgage finances appreciation-play properties (0.84 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $162,881.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.2% |
| Monthly Cash Flow | $(1,373) | $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 | $2,514 |
| Total Monthly Debt Service | $3,622 |
| DSCR Ratio | 0.69x |
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 1977
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59824, Charlo, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 671 (100%) |
| Owner Occupied HU | 477 (71.1%) |
| Renter Occupied HU | 133 (19.8%) |
| Vacant Housing Units | 61 ( 9.1%) |
| Median Home Value | $487,778 |
| Average Home Value | $492,683 |
Housing Distribution
Address Breakdown
Residential
512
Single Family
512
Multi-Family
0
Businesses
29
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 1977
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59824, Charlo, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 671 (100%) |
| Owner Occupied HU | 477 (71.1%) |
| Renter Occupied HU | 133 (19.8%) |
| Vacant Housing Units | 61 ( 9.1%) |
| Median Home Value | $487,778 |
| Average Home Value | $492,683 |
Housing Distribution
Address Breakdown
Residential
512
Single Family
512
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices