8 Cedar Gulch LnThompson FallsMT59873
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 8 Cedar Gulch Ln, Thompson Falls, MT, 59873 in Thompson Falls at $695,000 earns $4,112/mo in rent and nets $50/mo after the $3,125/mo payment, a 7.1% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $192,016 over five years. Ziffy Mortgage underwrites this on a 1.32 DSCR without U.S. credit history. With $6,401/yr in principal paydown, total projected return reaches $265,732.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $50 | $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 | $4,112 |
| Total Monthly Debt Service | $3,785 |
| DSCR Ratio | 1.09x |
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 1956
4.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59873, Thompson Falls, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,918 (100%) |
| Owner Occupied HU | 1,310 (68.3%) |
| Renter Occupied HU | 300 (15.6%) |
| Vacant Housing Units | 308 (16.1%) |
| Median Home Value | $358,996 |
| Average Home Value | $404,836 |
Housing Distribution
Address Breakdown
Residential
577
Single Family
577
Multi-Family
0
Businesses
170
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 1956
4.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59873, Thompson Falls, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,918 (100%) |
| Owner Occupied HU | 1,310 (68.3%) |
| Renter Occupied HU | 300 (15.6%) |
| Vacant Housing Units | 308 (16.1%) |
| Median Home Value | $358,996 |
| Average Home Value | $404,836 |
Housing Distribution
Address Breakdown
Residential
577
Single Family
577
Multi-Family
0
Businesses
170
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeannette Carr • Clearwater Montana Properties - Noxon
Mls Name: MRMLS
Mls Provider:
Mls ID: #30028684
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.