211 & 213 W Main StEast HelenaMT59635
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play211 & 213 W Main St, East Helena, MT, 59635 in East Helena is priced for appreciation, not yield. Rental yield 5.18%. At $420,000 with a 5.18% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $116,038 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.96) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $117,289.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 7.0% |
| Monthly Cash Flow | $(641) | $400 |
City averages based on East Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,813 |
| Total Monthly Debt Service | $2,288 |
| DSCR Ratio | 0.79x |
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.
Multi Family
Built in 1918
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59635, East Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,477 (100%) |
| Owner Occupied HU | 2,639 (75.9%) |
| Renter Occupied HU | 687 (19.8%) |
| Vacant Housing Units | 151 ( 4.3%) |
| Median Home Value | $384,643 |
| Average Home Value | $424,353 |
Housing Distribution
Address Breakdown
Residential
2,505
Single Family
2,505
Multi-Family
0
Businesses
214
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
Multi Family
Built in 1918
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59635, East Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,477 (100%) |
| Owner Occupied HU | 2,639 (75.9%) |
| Renter Occupied HU | 687 (19.8%) |
| Vacant Housing Units | 151 ( 4.3%) |
| Median Home Value | $384,643 |
| Average Home Value | $424,353 |
Housing Distribution
Address Breakdown
Residential
2,505
Single Family
2,505
Multi-Family
0
Businesses
214
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Big Sky Country MLS
Mls ID: #408686