3859 Timothy LnHelenaMT59602
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 3859 Timothy Ln, Helena, MT, 59602 in Helena is narrow, $68/mo net on $3,180/mo rent after the $2,394/mo debt service, but the property operates at break-even-plus, not a loss. At $532,500 with a 7.17% yield, the long-run equity case via 5% appreciation ($147,120 over five years) and $4,904/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.33 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $205,543.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $68 | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,180 |
| Total Monthly Debt Service | $2,900 |
| 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 2007
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59602, Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,543 (100%) |
| Owner Occupied HU | 10,271 (75.8%) |
| Renter Occupied HU | 2,250 (16.6%) |
| Vacant Housing Units | 1,022 ( 7.5%) |
| Median Home Value | $439,746 |
| Average Home Value | $499,065 |
Housing Distribution
Address Breakdown
Residential
12,446
Single Family
12,445
Multi-Family
1
Businesses
412
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 2007
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59602, Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,543 (100%) |
| Owner Occupied HU | 10,271 (75.8%) |
| Renter Occupied HU | 2,250 (16.6%) |
| Vacant Housing Units | 1,022 ( 7.5%) |
| Median Home Value | $439,746 |
| Average Home Value | $499,065 |
Housing Distribution
Address Breakdown
Residential
12,446
Single Family
12,445
Multi-Family
1
Businesses
412
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices