54 Ridge WayTroyMT59935
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 54 Ridge Way, Troy, MT, 59935 in Troy fits: $445,000, 3.24% gross yield, and a projected 5% annual appreciation rate adding $122,945 in value within five years. Rental yield 3.24%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.60) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,098/yr in principal paydown and $122,945 in appreciation project a total return of $77,954.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 6.2% |
| Monthly Cash Flow | $(1,401) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $2,424 |
| DSCR Ratio | 0.50x |
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.
Manufactured
Built in 2022
10.93 Acres lot
$N/A/sqft
No HOA
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
Manufactured
Built in 2022
10.93 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices