919 Mineral AveLibbyMT59923
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 919 Mineral Ave, Libby, MT, 59923 in Libby at $1,700,000, 0.8% gross yield, is a market-growth asset. Rental yield 0.8%. The $1,140/mo rent partially funds the $7,644/mo debt service; the core return is the 5%/yr price growth projected to add $469,679 over five years. Ziffy Mortgage's DSCR mortgage (0.15) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $76,052.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.8% | 6.2% |
| Monthly Cash Flow | $(8,796) | $450 |
City averages based on Libby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,140 |
| Total Monthly Debt Service | $9,259 |
| DSCR Ratio | 0.12x |
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.
Multi Family
Built in 1946
9,539 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59923, Libby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,723 (100%) |
| Owner Occupied HU | 3,856 (67.4%) |
| Renter Occupied HU | 1,196 (20.9%) |
| Vacant Housing Units | 671 (11.7%) |
| Median Home Value | $276,023 |
| Average Home Value | $389,054 |
Housing Distribution
Address Breakdown
Residential
4,589
Single Family
4,504
Multi-Family
85
Businesses
543
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
Multi Family
Built in 1946
9,539 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59923, Libby, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,723 (100%) |
| Owner Occupied HU | 3,856 (67.4%) |
| Renter Occupied HU | 1,196 (20.9%) |
| Vacant Housing Units | 671 (11.7%) |
| Median Home Value | $276,023 |
| Average Home Value | $389,054 |
Housing Distribution
Address Breakdown
Residential
4,589
Single Family
4,504
Multi-Family
85
Businesses
543
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices