221 5th AveHelenaMT59601
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Helena rental at 221 5th Ave, Helena, MT, 59601 sits in the solid-income band: 9.15% gross yield, $2,540/mo rent, $521/mo net after the $1,498/mo debt service, DSCR 1.70. Entry price of $333,200 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 $92,057 and $3,069/yr in principal reduction bring total cumulative return to $159,706.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $521 | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,540 |
| Total Monthly Debt Service | $1,887 |
| DSCR Ratio | 1.35x |
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.
Home Type Unknown
Built in 1890
6,011 sqft lot
$N/A/sqft
No 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
Home Type Unknown
Built in 1890
6,011 sqft lot
$N/A/sqft
No 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