2977 Rocky Pine DrHelenaMT59601
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 2977 Rocky Pine Dr, Helena, MT, 59601 in Helena is a conservative rental investment at $620,000. Rental yield 6.45%. A 1.19 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $171,295; $5,710/yr in principal paydown supplements. Total projected return: $215,316.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.0% |
| Monthly Cash Flow | $(292) | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,331 |
| Total Monthly Debt Service | $3,377 |
| DSCR Ratio | 0.99x |
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.
Single Family
Built in 1992
5.01 Acres 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
Single Family
Built in 1992
5.01 Acres 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
Listed by: Sarah Gebhardt • Coldwell Banker Mountainside Realty
Mls Name: MRMLS
Mls Provider:
Mls ID: #30035646
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.