32090 Ridge View CirPolsonMT59860
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play32090 Ridge View Cir, Polson, MT, 59860 in Polson is priced for appreciation, not yield. Rental yield 4.2%. At $770,000 with a 4.2% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $212,737 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.78) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $172,892.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.2% |
| Monthly Cash Flow | $(1,835) | $520 |
City averages based on Polson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,695 |
| Total Monthly Debt Service | $4,224 |
| DSCR Ratio | 0.64x |
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 1977
5.21 Acres lot
$N/A/sqft
$30 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59860, Polson, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,161 (100%) |
| Owner Occupied HU | 3,574 (49.9%) |
| Renter Occupied HU | 1,612 (22.5%) |
| Vacant Housing Units | 1,975 (27.6%) |
| Median Home Value | $495,833 |
| Average Home Value | $574,501 |
Housing Distribution
Address Breakdown
Residential
4,969
Single Family
4,845
Multi-Family
124
Businesses
564
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 1977
5.21 Acres lot
$N/A/sqft
$30 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59860, Polson, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,161 (100%) |
| Owner Occupied HU | 3,574 (49.9%) |
| Renter Occupied HU | 1,612 (22.5%) |
| Vacant Housing Units | 1,975 (27.6%) |
| Median Home Value | $495,833 |
| Average Home Value | $574,501 |
Housing Distribution
Address Breakdown
Residential
4,969
Single Family
4,845
Multi-Family
124
Businesses
564
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lincoln Slonaker • Clearwater Montana Properties - Polson
Mls Name: MRMLS
Mls Provider:
Mls ID: #30051635
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.