300 2nd St E #2WhitefishMT59937
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 300 2nd St E #2, Whitefish, MT, 59937 in Whitefish worth study. Rental yield 1.08%. The 1.08% gross yield is below cash-flow benchmarks at $1,395,000, but 5% annual appreciation, adding $385,413 over five years, frames this as a capital growth position. Rent of $1,260/mo partially offsets the $6,273/mo payment. Ziffy Mortgage finances appreciation-play properties (0.20 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $83,286.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.1% | 5.8% |
| Monthly Cash Flow | $(6,893) | $28,500 |
City averages based on Whitefish market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,260 |
| Total Monthly Debt Service | $7,598 |
| DSCR Ratio | 0.17x |
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 1915
1,176 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59937, Whitefish, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,003 (100%) |
| Owner Occupied HU | 4,953 (55.0%) |
| Renter Occupied HU | 2,087 (23.2%) |
| Vacant Housing Units | 1,963 (21.8%) |
| Median Home Value | $826,036 |
| Average Home Value | $961,227 |
Housing Distribution
Address Breakdown
Residential
7,645
Single Family
7,425
Multi-Family
220
Businesses
987
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 1915
1,176 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59937, Whitefish, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,003 (100%) |
| Owner Occupied HU | 4,953 (55.0%) |
| Renter Occupied HU | 2,087 (23.2%) |
| Vacant Housing Units | 1,963 (21.8%) |
| Median Home Value | $826,036 |
| Average Home Value | $961,227 |
Housing Distribution
Address Breakdown
Residential
7,645
Single Family
7,425
Multi-Family
220
Businesses
987
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices