89 Luciano DrEurekaMT59917
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 89 Luciano Dr, Eureka, MT, 59917 in Eureka. Rental yield 2.58%. At $1,350,000 with 2.58% gross yield, current distributions are modest, but the 5% appreciation rate projects $372,980 in new equity by year five, complemented by $12,434/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.48) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $189,061.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 4.1% |
| Monthly Cash Flow | $(4,986) | $1,850 |
City averages based on Eureka market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,904 |
| Total Monthly Debt Service | $7,353 |
| DSCR Ratio | 0.39x |
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 2021
1.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59917, Eureka, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,576 (100%) |
| Owner Occupied HU | 1,611 (62.5%) |
| Renter Occupied HU | 393 (15.3%) |
| Vacant Housing Units | 572 (22.2%) |
| Median Home Value | $385,634 |
| Average Home Value | $470,579 |
Housing Distribution
Address Breakdown
Residential
1,262
Single Family
1,260
Multi-Family
2
Businesses
242
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 2021
1.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59917, Eureka, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,576 (100%) |
| Owner Occupied HU | 1,611 (62.5%) |
| Renter Occupied HU | 393 (15.3%) |
| Vacant Housing Units | 572 (22.2%) |
| Median Home Value | $385,634 |
| Average Home Value | $470,579 |
Housing Distribution
Address Breakdown
Residential
1,262
Single Family
1,260
Multi-Family
2
Businesses
242
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices