644 Constitution AveBillingsMT59105
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 644 Constitution Ave, Billings, MT, 59105 in Billings is narrow, $177/mo net on $2,419/mo rent after the $1,719/mo debt service, but the property operates at break-even-plus, not a loss. At $382,300 with a 7.59% yield, the long-run equity case via 5% appreciation ($105,622 over five years) and $3,521/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $155,861.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $177 | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,419 |
| Total Monthly Debt Service | $2,090 |
| DSCR Ratio | 1.16x |
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 1985
9,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59105, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,483 (100%) |
| Owner Occupied HU | 9,860 (68.1%) |
| Renter Occupied HU | 3,815 (26.3%) |
| Vacant Housing Units | 808 ( 5.6%) |
| Median Home Value | $374,775 |
| Average Home Value | $409,000 |
Housing Distribution
Address Breakdown
Residential
13,800
Single Family
13,406
Multi-Family
394
Businesses
770
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 1985
9,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59105, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,483 (100%) |
| Owner Occupied HU | 9,860 (68.1%) |
| Renter Occupied HU | 3,815 (26.3%) |
| Vacant Housing Units | 808 ( 5.6%) |
| Median Home Value | $374,775 |
| Average Home Value | $409,000 |
Housing Distribution
Address Breakdown
Residential
13,800
Single Family
13,406
Multi-Family
394
Businesses
770
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anthony Contreraz • Berkshire Hathaway HS Floberg
Mls Name: BMTMLS
Mls Provider:
Mls ID: #350499
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.