54650 Herak RdCharloMT59824
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 54650 Herak Rd, Charlo, MT, 59824 in Charlo delivers $2,497/mo in gross rent and $393/mo in net monthly income at a $360,000 entry. The 8.32% yield and 1.54 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $99,461 over five years and $3,316/yr in equity from loan paydown, total projected return is $161,223.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $393 | $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 | $2,497 |
| Total Monthly Debt Service | $1,961 |
| DSCR Ratio | 1.27x |
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 1997
2.50 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 1997
2.50 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