903 Lynch DrBillingsMT59105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 903 Lynch Dr, Billings, MT, 59105 in Billings at $243,000 earns $1,727/mo in rent and nets $157/mo after the $1,093/mo payment, a 8.53% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $67,136 over five years. Ziffy Mortgage underwrites this on a 1.58 DSCR without U.S. credit history. With $2,238/yr in principal paydown, total projected return reaches $102,547.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $157 | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,727 |
| Total Monthly Debt Service | $1,474 |
| DSCR Ratio | 1.17x |
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.
Townhouse
Built in 2010
1.15 Acres lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59105, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,483 (100%) |
| Owner Occupied HU | 9,860 (68.1%) |
| Renter Occupied HU | 3,815 (26.3%) |
| Vacant Housing Units | 808 ( 5.6%) |
| Median Home Value | $374,775 |
| Average Home Value | $409,000 |
Housing Distribution
Address Breakdown
Residential
13,800
Single Family
13,406
Multi-Family
394
Businesses
770
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
Townhouse
Built in 2010
1.15 Acres lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59105, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,483 (100%) |
| Owner Occupied HU | 9,860 (68.1%) |
| Renter Occupied HU | 3,815 (26.3%) |
| Vacant Housing Units | 808 ( 5.6%) |
| Median Home Value | $374,775 |
| Average Home Value | $409,000 |
Housing Distribution
Address Breakdown
Residential
13,800
Single Family
13,406
Multi-Family
394
Businesses
770
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices