76 Wrong WayPlainsMT59859
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 76 Wrong Way, Plains, MT, 59859 in Plains is capital appreciation. Rental yield 4.72%. The 4.72% gross yield at $450,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $124,327 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.87) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $114,600.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.2% |
| Monthly Cash Flow | $(861) | $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 | $1,769 |
| Total Monthly Debt Service | $2,451 |
| DSCR Ratio | 0.72x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2022
31.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59859, Plains, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,130 (100%) |
| Owner Occupied HU | 1,389 (65.2%) |
| Renter Occupied HU | 379 (17.8%) |
| Vacant Housing Units | 362 (17.0%) |
| Median Home Value | $441,316 |
| Average Home Value | $512,934 |
Housing Distribution
Address Breakdown
Residential
874
Single Family
874
Multi-Family
0
Businesses
136
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 2022
31.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59859, Plains, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,130 (100%) |
| Owner Occupied HU | 1,389 (65.2%) |
| Renter Occupied HU | 379 (17.8%) |
| Vacant Housing Units | 362 (17.0%) |
| Median Home Value | $441,316 |
| Average Home Value | $512,934 |
Housing Distribution
Address Breakdown
Residential
874
Single Family
874
Multi-Family
0
Businesses
136
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeannette Carr • Clearwater Montana Properties
Mls Name: BMTMLS
Mls Provider:
Mls ID: #347717
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.