2972 Aspen View LoopHelenaMT59601
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2972 Aspen View Loop, Helena, MT, 59601 in Helena worth study. Rental yield 5.51%. The 5.51% gross yield is below cash-flow benchmarks at $404,900, but 5% annual appreciation, adding $111,866 over five years, frames this as a capital growth position. Rent of $1,860/mo partially offsets the $1,821/mo payment. Ziffy Mortgage finances appreciation-play properties (1.02 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $109,535.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.0% |
| Monthly Cash Flow | $(686) | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,860 |
| Total Monthly Debt Service | $2,385 |
| DSCR Ratio | 0.78x |
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.
Condo
Built in 2021
N/A lot
$N/A/sqft
$180 monthly 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
Condo
Built in 2021
N/A lot
$N/A/sqft
$180 monthly 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
Listed by: Ellen E Allen • Big Sky Brokers, LLC
Mls Name: MRMLS
Mls Provider:
Mls ID: #30049308
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.