601 Pennsylvania StChinookMT59523
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 601 Pennsylvania St, Chinook, MT, 59523 in Chinook deserves attention. This $272,000 property earns $2,327/mo in rent, a 10.27% gross yield, and nets $737/mo after the $1,223/mo payment. DSCR 1.90 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $75,149 compounds alongside $2,505/yr in yearly equity build, for a total cumulative return of $150,194.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $737 | $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 | $2,327 |
| Total Monthly Debt Service | $1,481 |
| DSCR Ratio | 1.57x |
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 1934
8,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59523, Chinook, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,086 (100%) |
| Owner Occupied HU | 661 (60.9%) |
| Renter Occupied HU | 275 (25.3%) |
| Vacant Housing Units | 150 (13.8%) |
| Median Home Value | $242,500 |
| Average Home Value | $354,281 |
Housing Distribution
Address Breakdown
Residential
294
Single Family
294
Multi-Family
0
Businesses
157
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 1934
8,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59523, Chinook, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,086 (100%) |
| Owner Occupied HU | 661 (60.9%) |
| Renter Occupied HU | 275 (25.3%) |
| Vacant Housing Units | 150 (13.8%) |
| Median Home Value | $242,500 |
| Average Home Value | $354,281 |
Housing Distribution
Address Breakdown
Residential
294
Single Family
294
Multi-Family
0
Businesses
157
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices