113 Cougar TrlWhitefishMT59937
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderNot flashy, but dependably profitable, 113 Cougar Trl, Whitefish, MT, 59937 in Whitefish is listed at $669,000 and delivers $4,513/mo in rent and $224/mo in net monthly cash flow. The 7.42% yield and 1.50 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $184,832 over five years, and $6,162/yr in principal reduction supplements cash return. Total projected cumulative return: $291,514.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.8% |
| Monthly Cash Flow | $224 | $28,500 |
City averages based on Whitefish market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,513 |
| Total Monthly Debt Service | $3,644 |
| DSCR Ratio | 1.24x |
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 2018
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59937, Whitefish, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,003 (100%) |
| Owner Occupied HU | 4,953 (55.0%) |
| Renter Occupied HU | 2,087 (23.2%) |
| Vacant Housing Units | 1,963 (21.8%) |
| Median Home Value | $826,036 |
| Average Home Value | $961,227 |
Housing Distribution
Address Breakdown
Residential
7,645
Single Family
7,425
Multi-Family
220
Businesses
987
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 2018
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59937, Whitefish, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,003 (100%) |
| Owner Occupied HU | 4,953 (55.0%) |
| Renter Occupied HU | 2,087 (23.2%) |
| Vacant Housing Units | 1,963 (21.8%) |
| Median Home Value | $826,036 |
| Average Home Value | $961,227 |
Housing Distribution
Address Breakdown
Residential
7,645
Single Family
7,425
Multi-Family
220
Businesses
987
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Anderson • National Parks Realty - Whitefish
Mls Name: MRMLS
Mls Provider:
Mls ID: #30046737
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.