622 1st Ave SFairfieldMT59436
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Fairfield rental at 622 1st Ave S, Fairfield, MT, 59436 sits in the solid-income band: 8.64% gross yield, $2,322/mo rent, $386/mo net after the $1,282/mo debt service, DSCR 1.81. Entry price of $285,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $78,740 and $2,625/yr in principal reduction bring total cumulative return to $149,879.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $386 | $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 | $2,322 |
| Total Monthly Debt Service | $1,552 |
| DSCR Ratio | 1.50x |
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
6,011 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59436, Fairfield, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 876 (100%) |
| Owner Occupied HU | 593 (67.7%) |
| Renter Occupied HU | 195 (22.3%) |
| Vacant Housing Units | 88 (10.0%) |
| Median Home Value | $337,025 |
| Average Home Value | $367,559 |
Housing Distribution
Address Breakdown
Residential
410
Single Family
410
Multi-Family
0
Businesses
71
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 1950
6,011 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59436, Fairfield, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 876 (100%) |
| Owner Occupied HU | 593 (67.7%) |
| Renter Occupied HU | 195 (22.3%) |
| Vacant Housing Units | 88 (10.0%) |
| Median Home Value | $337,025 |
| Average Home Value | $367,559 |
Housing Distribution
Address Breakdown
Residential
410
Single Family
410
Multi-Family
0
Businesses
71
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Helen Music • The Front Agency
Mls Name: MRMLS
Mls Provider:
Mls ID: #30041649
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.