808 N 2nd StLincolnMT59639
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Lincoln rentals match the income profile of 808 N 2nd St, Lincoln, MT, 59639. Listed at $213,500, gross rent is $1,902/mo and net cash flow is $654/mo, a 10.69% yield well above national averages. DSCR 1.98 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $58,986 by year five with $1,966/yr in annual principal reduction, projecting $122,788 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $654 | $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 | $1,902 |
| Total Monthly Debt Service | $1,163 |
| DSCR Ratio | 1.64x |
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 1958
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59639, Lincoln, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,144 (100%) |
| Owner Occupied HU | 517 (45.2%) |
| Renter Occupied HU | 131 (11.5%) |
| Vacant Housing Units | 496 (43.4%) |
| Median Home Value | $381,466 |
| Average Home Value | $465,764 |
Housing Distribution
Address Breakdown
Residential
191
Single Family
191
Multi-Family
0
Businesses
49
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 1958
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59639, Lincoln, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,144 (100%) |
| Owner Occupied HU | 517 (45.2%) |
| Renter Occupied HU | 131 (11.5%) |
| Vacant Housing Units | 496 (43.4%) |
| Median Home Value | $381,466 |
| Average Home Value | $465,764 |
Housing Distribution
Address Breakdown
Residential
191
Single Family
191
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices