318 6th St WWhitefishMT59937
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 318 6th St W, Whitefish, MT, 59937 in Whitefish at $549,000 earns $3,293/mo in rent and nets $84/mo after the $2,469/mo payment, a 7.2% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $151,679 over five years. Ziffy Mortgage underwrites this on a 1.33 DSCR without U.S. credit history. With $5,056/yr in principal paydown, total projected return reaches $212,785.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.8% |
| Monthly Cash Flow | $84 | $28,500 |
City averages based on Whitefish market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,293 |
| Total Monthly Debt Service | $2,990 |
| DSCR Ratio | 1.10x |
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.
Townhouse
Built in 1985
2,613 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
Townhouse
Built in 1985
2,613 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
Listed by: Michael K Johnson • Glacier Park Realty
Mls Name: MRMLS
Mls Provider:
Mls ID: #30036764
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.