602 Black Diamond St UNIT A-BBelgradeMT59714
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 602 Black Diamond St UNIT A-B, Belgrade, MT, 59714 in Belgrade worth study. Rental yield 2.31%. The 2.31% gross yield is below cash-flow benchmarks at $1,870,000, but 5% annual appreciation, adding $516,647 over five years, frames this as a capital growth position. Rent of $3,600/mo partially offsets the $8,409/mo payment. Ziffy Mortgage finances appreciation-play properties (0.43 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $228,607.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 5.2% |
| Monthly Cash Flow | $(7,429) | $850 |
City averages based on Belgrade market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,600 |
| Total Monthly Debt Service | $10,285 |
| DSCR Ratio | 0.35x |
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.
Multi Family
Built in 2024
0.32 Acres lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59714, Belgrade, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,219 (100%) |
| Owner Occupied HU | 6,896 (67.5%) |
| Renter Occupied HU | 2,631 (25.7%) |
| Vacant Housing Units | 692 ( 6.8%) |
| Median Home Value | $630,225 |
| Average Home Value | $770,323 |
Housing Distribution
Address Breakdown
Residential
9,478
Single Family
9,422
Multi-Family
56
Businesses
1,163
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
Multi Family
Built in 2024
0.32 Acres lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59714, Belgrade, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,219 (100%) |
| Owner Occupied HU | 6,896 (67.5%) |
| Renter Occupied HU | 2,631 (25.7%) |
| Vacant Housing Units | 692 ( 6.8%) |
| Median Home Value | $630,225 |
| Average Home Value | $770,323 |
Housing Distribution
Address Breakdown
Residential
9,478
Single Family
9,422
Multi-Family
56
Businesses
1,163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jason Zalac • Realty Executives of Gallatin County
Mls Name: Big Sky Country MLS
Mls ID: #391950
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.