265 Caroline RdKalispellMT59901
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 265 Caroline Rd, Kalispell, MT, 59901 in Kalispell is narrow, $119/mo net on $2,340/mo rent after the $1,709/mo debt service, but the property operates at break-even-plus, not a loss. At $380,000 with a 7.39% yield, the long-run equity case via 5% appreciation ($104,987 over five years) and $3,500/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.37 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $151,158.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.8% |
| Monthly Cash Flow | $119 | $1,250 |
City averages based on Kalispell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,340 |
| Total Monthly Debt Service | $2,070 |
| DSCR Ratio | 1.13x |
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.
Single Family
Built in 1946
0.64 Acres 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
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
Single Family
Built in 1946
0.64 Acres 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices