818 7th StHavreMT59501
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 818 7th St, Havre, MT, 59501 in Havre: $1,222/mo in rent, $317/mo in net income, 9.47% gross yield, 1.75 DSCR, all at $154,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $42,796 in appreciation and $1,427/yr in principal paydown projects total cumulative return of $78,861.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 4.8% |
| Monthly Cash Flow | $317 | $285 |
City averages based on Havre market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,222 |
| Total Monthly Debt Service | $844 |
| DSCR Ratio | 1.45x |
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 1963
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59501, Havre, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,834 (100%) |
| Owner Occupied HU | 3,246 (55.6%) |
| Renter Occupied HU | 1,757 (30.1%) |
| Vacant Housing Units | 831 (14.2%) |
| Median Home Value | $235,031 |
| Average Home Value | $303,541 |
Housing Distribution
Address Breakdown
Residential
5,086
Single Family
4,860
Multi-Family
226
Businesses
669
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 1963
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59501, Havre, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,834 (100%) |
| Owner Occupied HU | 3,246 (55.6%) |
| Renter Occupied HU | 1,757 (30.1%) |
| Vacant Housing Units | 831 (14.2%) |
| Median Home Value | $235,031 |
| Average Home Value | $303,541 |
Housing Distribution
Address Breakdown
Residential
5,086
Single Family
4,860
Multi-Family
226
Businesses
669
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices