5625 Riley LnFlorenceMT59833
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play5625 Riley Ln, Florence, MT, 59833 in Florence is priced for appreciation, not yield. Rental yield 4.57%. At $1,445,000 with a 4.57% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $399,227 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.73) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $307,616.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.2% |
| Monthly Cash Flow | $(2,949) | $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 | $4,753 |
| Total Monthly Debt Service | $7,879 |
| DSCR Ratio | 0.60x |
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 2007
4.80 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59833, Florence, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,711 (100%) |
| Owner Occupied HU | 2,211 (81.6%) |
| Renter Occupied HU | 375 (13.8%) |
| Vacant Housing Units | 125 ( 4.6%) |
| Median Home Value | $525,959 |
| Average Home Value | $604,398 |
Housing Distribution
Address Breakdown
Residential
2,421
Single Family
2,421
Multi-Family
0
Businesses
185
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 2007
4.80 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59833, Florence, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,711 (100%) |
| Owner Occupied HU | 2,211 (81.6%) |
| Renter Occupied HU | 375 (13.8%) |
| Vacant Housing Units | 125 ( 4.6%) |
| Median Home Value | $525,959 |
| Average Home Value | $604,398 |
Housing Distribution
Address Breakdown
Residential
2,421
Single Family
2,421
Multi-Family
0
Businesses
185
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Steve Zech • Montana Westgate Realty, Inc.
Mls Name: MRMLS
Mls Provider:
Mls ID: #30038640
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.