34426 Ridge RdPolsonMT59860
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 34426 Ridge Rd, Polson, MT, 59860 in Polson at $1,449,000, 4.04% gross yield, is a market-growth asset. Rental yield 4.04%. The $4,873/mo rent partially funds the $6,516/mo debt service; the core return is the 5%/yr price growth projected to add $400,332 over five years. Ziffy Mortgage's DSCR mortgage (0.75) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $315,878.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.2% |
| Monthly Cash Flow | $(3,595) | $520 |
City averages based on Polson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,873 |
| Total Monthly Debt Service | $7,892 |
| DSCR Ratio | 0.62x |
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 2003
2.84 Acres lot
$N/A/sqft
No 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 2003
2.84 Acres lot
$N/A/sqft
No 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