Opal Plan, 44 WestBillingsMT59102
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at Opal Plan, 44 West, Billings, MT, 59102 in Billings: $2,677/mo in rent, $458/mo in net income, 8.46% gross yield, 1.57 DSCR, all at $379,730. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $104,912 in appreciation and $3,497/yr in principal paydown projects total cumulative return of $172,885.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $458 | $200 |
City averages based on Billings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,677 |
| Total Monthly Debt Service | $2,068 |
| DSCR Ratio | 1.29x |
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
