34857 Rocky Point RdPolsonMT59860
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 34857 Rocky Point Rd, Polson, MT, 59860 in Polson at $792,000 earns $4,734/mo in rent and nets $105/mo after the $3,561/mo payment, a 7.17% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $218,815 over five years. Ziffy Mortgage underwrites this on a 1.33 DSCR without U.S. credit history. With $7,294/yr in principal paydown, total projected return reaches $305,924.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $105 | $520 |
City averages based on Polson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,734 |
| Total Monthly Debt Service | $4,314 |
| 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.
Single Family
Built in 1996
1 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 1996
1 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