12 W Hayes St UNIT H-6BozemanMT59715
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 12 W Hayes St UNIT H-6, Bozeman, MT, 59715 in Bozeman. At $480,000 it earns $3,574/mo in rent and distributes $380/mo to the owner after the $2,158/mo payment, a consistent 8.93% yield. DSCR 1.66 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $132,615 in value; $4,421/yr in principal paydown compounds ownership stake. Total projected return: $207,491.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 4.2% |
| Monthly Cash Flow | $380 | $1,850 |
City averages based on Bozeman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,574 |
| Total Monthly Debt Service | $3,002 |
| DSCR Ratio | 1.19x |
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 1986
N/A lot
$N/A/sqft
$388 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 1986
N/A lot
$N/A/sqft
$388 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: Stephen Leibinger • Swan Land Company
Mls Name: Big Sky Country MLS
Mls ID: #403708
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.