12 E Garfield St APT C4BozemanMT59715
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 12 E Garfield St APT C4, Bozeman, MT, 59715 in Bozeman. Rental yield 6.17%. The 1.14 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $129,576 and $4,320/yr in principal reduction project total return of $135,095.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 4.2% |
| Monthly Cash Flow | $(677) | $1,850 |
City averages based on Bozeman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,412 |
| Total Monthly Debt Service | $2,902 |
| DSCR Ratio | 0.83x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1979
N/A lot
$N/A/sqft
$348 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59715, Bozeman, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,733 (100%) |
| Owner Occupied HU | 8,456 (47.7%) |
| Renter Occupied HU | 7,674 (43.3%) |
| Vacant Housing Units | 1,603 ( 9.0%) |
| Median Home Value | $816,641 |
| Average Home Value | $926,073 |
Housing Distribution
Address Breakdown
Residential
15,653
Single Family
14,358
Multi-Family
1,295
Businesses
1,951
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 1979
N/A lot
$N/A/sqft
$348 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59715, Bozeman, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,733 (100%) |
| Owner Occupied HU | 8,456 (47.7%) |
| Renter Occupied HU | 7,674 (43.3%) |
| Vacant Housing Units | 1,603 ( 9.0%) |
| Median Home Value | $816,641 |
| Average Home Value | $926,073 |
Housing Distribution
Address Breakdown
Residential
15,653
Single Family
14,358
Multi-Family
1,295
Businesses
1,951
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dianne Click • Bozeman Brokers
Mls Name: Big Sky Country MLS
Mls ID: #401087
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.