921 Main StPhilipsburgMT59858
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis Philipsburg rental at 921 Main St, Philipsburg, MT, 59858 sits in the solid-income band: 7.87% gross yield, $2,459/mo rent, $267/mo net after the $1,686/mo debt service, DSCR 1.46. Entry price of $375,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $103,606 and $3,454/yr in principal reduction bring total cumulative return to $158,852.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $267 | $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 | $2,459 |
| Total Monthly Debt Service | $2,042 |
| DSCR Ratio | 1.20x |
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 1890
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59858, Philipsburg, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,342 (100%) |
| Owner Occupied HU | 684 (51.0%) |
| Renter Occupied HU | 188 (14.0%) |
| Vacant Housing Units | 470 (35.0%) |
| Median Home Value | $400,000 |
| Average Home Value | $543,048 |
Housing Distribution
Address Breakdown
Residential
360
Single Family
359
Multi-Family
1
Businesses
112
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 1890
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59858, Philipsburg, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,342 (100%) |
| Owner Occupied HU | 684 (51.0%) |
| Renter Occupied HU | 188 (14.0%) |
| Vacant Housing Units | 470 (35.0%) |
| Median Home Value | $400,000 |
| Average Home Value | $543,048 |
Housing Distribution
Address Breakdown
Residential
360
Single Family
359
Multi-Family
1
Businesses
112
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert A Medof • Pintlar Territories
Mls Name: MRMLS
Mls ID: #30062267