135 N 1st StBearcreekMT59007
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 135 N 1st St, Bearcreek, MT, 59007 in Bearcreek earns a 8.24% gross yield at $337,406. Rent of $2,316/mo nets $344/mo after the $1,517/mo mortgage. The 1.53 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $93,219 and $3,108/yr in equity accumulation project a total cumulative return of $149,615.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $344 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,316 |
| Total Monthly Debt Service | $1,838 |
| DSCR Ratio | 1.26x |
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 1920
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59007, Bearcreek, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 71 (100%) |
| Owner Occupied HU | 41 (57.7%) |
| Renter Occupied HU | 9 (12.7%) |
| Vacant Housing Units | 21 (29.6%) |
| Median Home Value | $492,857 |
| Average Home Value | $667,317 |
Housing Distribution
Address Breakdown
Residential
11
Single Family
11
Multi-Family
0
Businesses
5
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 1920
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59007, Bearcreek, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 71 (100%) |
| Owner Occupied HU | 41 (57.7%) |
| Renter Occupied HU | 9 (12.7%) |
| Vacant Housing Units | 21 (29.6%) |
| Median Home Value | $492,857 |
| Average Home Value | $667,317 |
Housing Distribution
Address Breakdown
Residential
11
Single Family
11
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices