Lamar Plan, 44 WestBillingsMT59102
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: Lamar Plan, 44 West, Billings, MT, 59102 in Billings at $502,554 earns $3,126/mo in rent and nets $189/mo after the $2,260/mo payment, a 7.46% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $138,846 over five years. Ziffy Mortgage underwrites this on a 1.38 DSCR without U.S. credit history. With $4,629/yr in principal paydown, total projected return reaches $201,962.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $189 | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,126 |
| Total Monthly Debt Service | $2,737 |
| DSCR Ratio | 1.14x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59102, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,242 (100%) |
| Owner Occupied HU | 14,223 (61.2%) |
| Renter Occupied HU | 7,768 (33.4%) |
| Vacant Housing Units | 1,251 ( 5.4%) |
| Median Home Value | $374,317 |
| Average Home Value | $453,598 |
Housing Distribution
Address Breakdown
Residential
21,644
Single Family
19,970
Multi-Family
1,674
Businesses
2,001
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59102, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,242 (100%) |
| Owner Occupied HU | 14,223 (61.2%) |
| Renter Occupied HU | 7,768 (33.4%) |
| Vacant Housing Units | 1,251 ( 5.4%) |
| Median Home Value | $374,317 |
| Average Home Value | $453,598 |
Housing Distribution
Address Breakdown
Residential
21,644
Single Family
19,970
Multi-Family
1,674
Businesses
2,001
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
