330 12th St EKalispellMT59901
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 330 12th St E, Kalispell, MT, 59901 in Kalispell offers a clean, manageable entry. Rental yield 6.06%. DSCR 1.12 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $112,861 in additional property value over five years, with $3,762/yr in principal equity building ownership stake. Total projected cumulative return: $133,325.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 5.8% |
| Monthly Cash Flow | $(326) | $1,250 |
City averages based on Kalispell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,062 |
| Total Monthly Debt Service | $2,225 |
| DSCR Ratio | 0.93x |
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 1934
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59901, Kalispell, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,457 (100%) |
| Owner Occupied HU | 17,985 (65.5%) |
| Renter Occupied HU | 7,466 (27.2%) |
| Vacant Housing Units | 2,006 ( 7.3%) |
| Median Home Value | $593,717 |
| Average Home Value | $660,585 |
Housing Distribution
Address Breakdown
Residential
25,652
Single Family
24,478
Multi-Family
1,174
Businesses
2,286
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 1934
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59901, Kalispell, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,457 (100%) |
| Owner Occupied HU | 17,985 (65.5%) |
| Renter Occupied HU | 7,466 (27.2%) |
| Vacant Housing Units | 2,006 ( 7.3%) |
| Median Home Value | $593,717 |
| Average Home Value | $660,585 |
Housing Distribution
Address Breakdown
Residential
25,652
Single Family
24,478
Multi-Family
1,174
Businesses
2,286
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susie L. Alper • PureWest Real Estate - Kalispell
Mls Name: MRMLS
Mls Provider:
Mls ID: #30053673
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.