220 4th Ave EKalispellMT59901
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Kalispell rental at 220 4th Ave E, Kalispell, MT, 59901 sits in the solid-income band: 9.65% gross yield, $4,582/mo rent, $1,250/mo net after the $2,702/mo debt service, DSCR 1.70. Entry price of $570,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $157,480 and $4,778/yr in principal reduction bring total cumulative return to $285,054.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 5.8% |
| Monthly Cash Flow | $1,250 | $1,250 |
City averages based on Kalispell market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,582 |
| Total Monthly Debt Service | $3,244 |
| DSCR Ratio | 1.41x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1915
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59901, Kalispell, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,457 (100%) |
| Owner Occupied HU | 17,985 (65.5%) |
| Renter Occupied HU | 7,466 (27.2%) |
| Vacant Housing Units | 2,006 ( 7.3%) |
| Median Home Value | $593,717 |
| Average Home Value | $660,585 |
Housing Distribution
Address Breakdown
Residential
25,652
Single Family
24,478
Multi-Family
1,174
Businesses
2,286
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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
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Nearby investment properties with comparable prices
