215 Shawnee LnPolsonMT59860
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 215 Shawnee Ln, Polson, MT, 59860 in Polson fits: $597,000, 5.06% gross yield, and a projected 5% annual appreciation rate adding $164,940 in value within five years. Rental yield 5.06%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.94) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,498/yr in principal paydown and $164,940 in appreciation project a total return of $151,003.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.2% |
| Monthly Cash Flow | $(1,171) | $520 |
City averages based on Polson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,516 |
| Total Monthly Debt Service | $3,449 |
| 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.
Townhouse
Built in 2024
4,965 sqft lot
$N/A/sqft
$170 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59860, Polson, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,161 (100%) |
| Owner Occupied HU | 3,574 (49.9%) |
| Renter Occupied HU | 1,612 (22.5%) |
| Vacant Housing Units | 1,975 (27.6%) |
| Median Home Value | $495,833 |
| Average Home Value | $574,501 |
Housing Distribution
Address Breakdown
Residential
4,969
Single Family
4,845
Multi-Family
124
Businesses
564
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
Townhouse
Built in 2024
4,965 sqft lot
$N/A/sqft
$170 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59860, Polson, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,161 (100%) |
| Owner Occupied HU | 3,574 (49.9%) |
| Renter Occupied HU | 1,612 (22.5%) |
| Vacant Housing Units | 1,975 (27.6%) |
| Median Home Value | $495,833 |
| Average Home Value | $574,501 |
Housing Distribution
Address Breakdown
Residential
4,969
Single Family
4,845
Multi-Family
124
Businesses
564
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sarah E Beck • Century 21 Big Sky Real Estate - Polson
Mls Name: MRMLS
Mls Provider:
Mls ID: #30039165
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.