609 E 1st AvePlentywoodMT59254
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 609 E 1st Ave, Plentywood, MT, 59254 in Plentywood at $105,000 earns $791/mo in rent and nets $177/mo after the $472/mo payment, a 9.04% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $29,010 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $967/yr in principal paydown, total projected return reaches $51,123.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $177 | $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 | $791 |
| Total Monthly Debt Service | $572 |
| DSCR Ratio | 1.38x |
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 1950
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59254, Plentywood, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,171 (100%) |
| Owner Occupied HU | 672 (57.4%) |
| Renter Occupied HU | 264 (22.5%) |
| Vacant Housing Units | 235 (20.1%) |
| Median Home Value | $161,080 |
| Average Home Value | $197,507 |
Housing Distribution
Address Breakdown
Residential
854
Single Family
833
Multi-Family
21
Businesses
150
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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 1950
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59254, Plentywood, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,171 (100%) |
| Owner Occupied HU | 672 (57.4%) |
| Renter Occupied HU | 264 (22.5%) |
| Vacant Housing Units | 235 (20.1%) |
| Median Home Value | $161,080 |
| Average Home Value | $197,507 |
Housing Distribution
Address Breakdown
Residential
854
Single Family
833
Multi-Family
21
Businesses
150
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Listed by: Laurel M Clawson • Basin Brokers Realtors
Mls Name: Great North MLS
Mls ID: #4020141