312 Cougar TrlWhitefishMT59937
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 312 Cougar Trl, Whitefish, MT, 59937 in Whitefish earns a 8.78% gross yield at $459,000. Rent of $3,360/mo nets $636/mo after the $2,064/mo mortgage. The 1.63 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $126,813 and $4,227/yr in equity accumulation project a total cumulative return of $214,480.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.8% |
| Monthly Cash Flow | $636 | $28,500 |
City averages based on Whitefish market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,360 |
| Total Monthly Debt Service | $2,542 |
| DSCR Ratio | 1.32x |
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 1982
0.49 Acres lot
$N/A/sqft
$125 quarterly 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
Single Family
Built in 1982
0.49 Acres lot
$N/A/sqft
$125 quarterly 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
Listed by: Alden Blaize • REAL Broker
Mls Name: MRMLS
Mls Provider:
Mls ID: #30044562
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.