3824 Big Mountain Rd #303WhitefishMT59937
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 3824 Big Mountain Rd #303, Whitefish, MT, 59937 in Whitefish, $288,000, 7.96% gross yield, $126/mo net income. Consider it a market-entry position, the $1,912/mo rent covers the $1,295/mo payment with a margin, and 5%/yr appreciation is projected to add $79,569 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.48) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $49,488.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.8% |
| Monthly Cash Flow | $126 | $28,500 |
City averages based on Whitefish market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,912 |
| Total Monthly Debt Service | $2,803 |
| DSCR Ratio | 0.68x |
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.
Condo
Built in 1981
N/A lot
$N/A/sqft
$1,234 other 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
Condo
Built in 1981
N/A lot
$N/A/sqft
$1,234 other 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: Jesse Plevel • RE/MAX Mountain View
Mls Name: MRMLS
Mls Provider:
Mls ID: #30038739
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.