489 Kern RdTroyMT59935
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 489 Kern Rd, Troy, MT, 59935 in Troy, $345,000, 7.67% gross yield, $189/mo net income. Consider it a market-entry position, the $2,206/mo rent covers the $1,551/mo payment with a margin, and 5%/yr appreciation is projected to add $95,317 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.42) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $142,557.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $189 | $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 | $2,206 |
| Total Monthly Debt Service | $1,879 |
| DSCR Ratio | 1.17x |
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 2013
7.89 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
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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 2013
7.89 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeannette Carr • Clearwater Montana Properties - Noxon
Mls Name: MRMLS
Mls Provider:
Mls ID: #30054475
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.