60070 Ernie LnSt IgnatiusMT59865
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 60070 Ernie Ln, St Ignatius, MT, 59865 in St Ignatius. Rental yield 5.18%. At $699,999 with 5.18% gross yield, current distributions are modest, but the 5% appreciation rate projects $193,397 in new equity by year five, complemented by $6,447/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.91) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $184,921.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(1,072) | $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 | $2,857 |
| Total Monthly Debt Service | $3,813 |
| DSCR Ratio | 0.75x |
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 2017
4.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59865, Saint Ignatius, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,404 (100%) |
| Owner Occupied HU | 978 (69.7%) |
| Renter Occupied HU | 334 (23.8%) |
| Vacant Housing Units | 92 ( 6.6%) |
| Median Home Value | $448,352 |
| Average Home Value | $528,901 |
Housing Distribution
Address Breakdown
Residential
776
Single Family
776
Multi-Family
0
Businesses
103
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 2017
4.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59865, Saint Ignatius, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,404 (100%) |
| Owner Occupied HU | 978 (69.7%) |
| Renter Occupied HU | 334 (23.8%) |
| Vacant Housing Units | 92 ( 6.6%) |
| Median Home Value | $448,352 |
| Average Home Value | $528,901 |
Housing Distribution
Address Breakdown
Residential
776
Single Family
776
Multi-Family
0
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jake Musser • Rivers West Auction Company
Mls Name: My State MLS
Mls ID: #11497921