1546 Mineral RdHelenaMT59602
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 1546 Mineral Rd, Helena, MT, 59602 in Helena: $3,750/mo in rent, $1,538/mo net, 12% gross yield, all on a $374,900 acquisition. The 2.22 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $103,578 in value, and $3,453/yr in principal paydown steadily builds equity. Projected total cumulative return: $240,695.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.0% |
| Monthly Cash Flow | $1,538 | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,750 |
| Total Monthly Debt Service | $2,063 |
| DSCR Ratio | 1.82x |
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 1977
10,062 sqft lot
$N/A/sqft
$25 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59602, Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,543 (100%) |
| Owner Occupied HU | 10,271 (75.8%) |
| Renter Occupied HU | 2,250 (16.6%) |
| Vacant Housing Units | 1,022 ( 7.5%) |
| Median Home Value | $439,746 |
| Average Home Value | $499,065 |
Housing Distribution
Address Breakdown
Residential
12,446
Single Family
12,445
Multi-Family
1
Businesses
412
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 1977
10,062 sqft lot
$N/A/sqft
$25 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59602, Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,543 (100%) |
| Owner Occupied HU | 10,271 (75.8%) |
| Renter Occupied HU | 2,250 (16.6%) |
| Vacant Housing Units | 1,022 ( 7.5%) |
| Median Home Value | $439,746 |
| Average Home Value | $499,065 |
Housing Distribution
Address Breakdown
Residential
12,446
Single Family
12,445
Multi-Family
1
Businesses
412
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cassie Bryshea Smith • Keller Williams Capital Realty
Mls Name: Big Sky Country MLS
Mls ID: #402759
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.