1005 Saddle DrHelenaMT59601
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1005 Saddle Dr, Helena, MT, 59601 in Helena is narrow, $91/mo net on $2,400/mo rent after the $1,524/mo debt service, but the property operates at break-even-plus, not a loss. At $339,000 with a 8.5% yield, the long-run equity case via 5% appreciation ($93,659 over five years) and $3,122/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $135,319.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $91 | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $2,174 |
| 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.
Condo
Built in 1988
N/A lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59601, Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,886 (100%) |
| Owner Occupied HU | 8,163 (51.4%) |
| Renter Occupied HU | 6,670 (42.0%) |
| Vacant Housing Units | 1,053 ( 6.6%) |
| Median Home Value | $401,311 |
| Average Home Value | $473,259 |
Housing Distribution
Address Breakdown
Residential
14,950
Single Family
13,603
Multi-Family
1,347
Businesses
1,647
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
Condo
Built in 1988
N/A lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59601, Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,886 (100%) |
| Owner Occupied HU | 8,163 (51.4%) |
| Renter Occupied HU | 6,670 (42.0%) |
| Vacant Housing Units | 1,053 ( 6.6%) |
| Median Home Value | $401,311 |
| Average Home Value | $473,259 |
Housing Distribution
Address Breakdown
Residential
14,950
Single Family
13,603
Multi-Family
1,347
Businesses
1,647
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jake Doubek • Coldwell Banker Mountainside Realty
Mls Name: MRMLS
Mls Provider:
Mls ID: #30051717
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.