196 Timbered TerWhitefishMT59937
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.08% gross rental yield, 196 Timbered Ter, Whitefish, MT, 59937 in Whitefish is priced for capital growth, not immediate cash flow. The $1,050,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $290,096 by year five, with $9,671/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.94) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $267,561.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.8% |
| Monthly Cash Flow | $(2,028) | $28,500 |
City averages based on Whitefish market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,442 |
| Total Monthly Debt Service | $6,052 |
| DSCR Ratio | 0.73x |
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.
Single Family
Built in 2011
0.96 Acres lot
$N/A/sqft
$2,000 semi-annually 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 2011
0.96 Acres lot
$N/A/sqft
$2,000 semi-annually 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: Brenda Twete • National Parks Realty - Whitefish
Mls Name: MRMLS
Mls Provider:
Mls ID: #30043441
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.