625 5th AveUlmMT59485
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 625 5th Ave, Ulm, MT, 59485 in Ulm. Priced at $260,000, it generates $2,363/mo in gross rent and $843/mo in net monthly cash flow, a 10.91% yield that comfortably supports the 2.02 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,119. Five-year appreciation: $71,833. Equity from principal paydown: $2,395/yr. Total projected cumulative return: $152,481.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $843 | $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 | $2,363 |
| Total Monthly Debt Service | $1,416 |
| DSCR Ratio | 1.67x |
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.
Manufactured
Built in 1980
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59485, Ulm, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 222 (100%) |
| Owner Occupied HU | 168 (75.7%) |
| Renter Occupied HU | 24 (10.8%) |
| Vacant Housing Units | 30 (13.5%) |
| Median Home Value | $585,714 |
| Average Home Value | $605,432 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
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
Manufactured
Built in 1980
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59485, Ulm, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 222 (100%) |
| Owner Occupied HU | 168 (75.7%) |
| Renter Occupied HU | 24 (10.8%) |
| Vacant Housing Units | 30 (13.5%) |
| Median Home Value | $585,714 |
| Average Home Value | $605,432 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices