627 Cedar AveShelbyMT59474
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 627 Cedar Ave, Shelby, MT, 59474 in Shelby hard to pass up. The 10.96% gross yield on a $165,000 purchase results in $1,507/mo in rent and $543/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.03). Annual cash flow of $6,514, five-year appreciation of $45,586, and $1,520/yr in equity build-up combine for a projected total cumulative return of $97,274.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.0% |
| Monthly Cash Flow | $543 | $300 |
City averages based on Shelby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,507 |
| Total Monthly Debt Service | $899 |
| DSCR Ratio | 1.68x |
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 1945
7,492 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59474, Shelby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,630 (100%) |
| Owner Occupied HU | 825 (50.6%) |
| Renter Occupied HU | 429 (26.3%) |
| Vacant Housing Units | 376 (23.1%) |
| Median Home Value | $235,112 |
| Average Home Value | $297,739 |
Housing Distribution
Address Breakdown
Residential
1,193
Single Family
1,064
Multi-Family
129
Businesses
231
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 1945
7,492 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59474, Shelby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,630 (100%) |
| Owner Occupied HU | 825 (50.6%) |
| Renter Occupied HU | 429 (26.3%) |
| Vacant Housing Units | 376 (23.1%) |
| Median Home Value | $235,112 |
| Average Home Value | $297,739 |
Housing Distribution
Address Breakdown
Residential
1,193
Single Family
1,064
Multi-Family
129
Businesses
231
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Mangiaruga • Home Sweet Home Realty Group LLC
Mls Name: MRMLS
Mls Provider:
Mls ID: #30051474
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.