Lamar Plan, AnnafeldBillingsMT59101
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.2% yield at Lamar Plan, Annafeld, Billings, MT, 59101 in Billings is solid, but the $2,134/mo payment compresses net cash flow to $74/mo at $474,554. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $131,111 by year five, and $4,371/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.33) without U.S. income documentation. Total projected return: $184,067.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $74 | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,848 |
| Total Monthly Debt Service | $2,585 |
| DSCR Ratio | 1.10x |
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: 59101, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,415 (100%) |
| Owner Occupied HU | 10,461 (53.9%) |
| Renter Occupied HU | 7,557 (38.9%) |
| Vacant Housing Units | 1,397 ( 7.2%) |
| Median Home Value | $368,897 |
| Average Home Value | $424,860 |
Housing Distribution
Address Breakdown
Residential
18,485
Single Family
17,553
Multi-Family
932
Businesses
2,408
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: 59101, Billings, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,415 (100%) |
| Owner Occupied HU | 10,461 (53.9%) |
| Renter Occupied HU | 7,557 (38.9%) |
| Vacant Housing Units | 1,397 ( 7.2%) |
| Median Home Value | $368,897 |
| Average Home Value | $424,860 |
Housing Distribution
Address Breakdown
Residential
18,485
Single Family
17,553
Multi-Family
932
Businesses
2,408
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
