21 N Last Chance Gulch APT 3FHelenaMT59601
INVESTMENT ANALYSIS
Investment Verdict
Solid Income21 N Last Chance Gulch APT 3F, Helena, MT, 59601 in Helena carries a 1.59 coverage ratio, rent of $1,721/mo is 1.59 times the $1,079/mo payment. Rental yield 8.61%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $239,900 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $66,280; total projected cumulative return: $87,165.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $(81) | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,721 |
| Total Monthly Debt Service | $1,707 |
| DSCR Ratio | 1.01x |
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 1913
N/A lot
$N/A/sqft
$400 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59601, Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,886 (100%) |
| Owner Occupied HU | 8,163 (51.4%) |
| Renter Occupied HU | 6,670 (42.0%) |
| Vacant Housing Units | 1,053 ( 6.6%) |
| Median Home Value | $401,311 |
| Average Home Value | $473,259 |
Housing Distribution
Address Breakdown
Residential
14,950
Single Family
13,603
Multi-Family
1,347
Businesses
1,647
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 1913
N/A lot
$N/A/sqft
$400 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59601, Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,886 (100%) |
| Owner Occupied HU | 8,163 (51.4%) |
| Renter Occupied HU | 6,670 (42.0%) |
| Vacant Housing Units | 1,053 ( 6.6%) |
| Median Home Value | $401,311 |
| Average Home Value | $473,259 |
Housing Distribution
Address Breakdown
Residential
14,950
Single Family
13,603
Multi-Family
1,347
Businesses
1,647
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynnette Sena • Big Sky Brokers, LLC
Mls Name: MRMLS
Mls Provider:
Mls ID: #30038595
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.