3897 Monarch RdEast HelenaMT59635
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 3897 Monarch Rd, East Helena, MT, 59635 in East Helena is a conservative rental investment at $404,000. Rental yield 6.65%. A 1.23 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $111,618; $3,721/yr in principal paydown supplements. Total projected return: $144,663.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 7.0% |
| Monthly Cash Flow | $(123) | $400 |
City averages based on East Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,238 |
| Total Monthly Debt Service | $2,200 |
| DSCR Ratio | 1.02x |
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 2020
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59635, East Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,477 (100%) |
| Owner Occupied HU | 2,639 (75.9%) |
| Renter Occupied HU | 687 (19.8%) |
| Vacant Housing Units | 151 ( 4.3%) |
| Median Home Value | $384,643 |
| Average Home Value | $424,353 |
Housing Distribution
Address Breakdown
Residential
2,505
Single Family
2,505
Multi-Family
0
Businesses
214
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 2020
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59635, East Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,477 (100%) |
| Owner Occupied HU | 2,639 (75.9%) |
| Renter Occupied HU | 687 (19.8%) |
| Vacant Housing Units | 151 ( 4.3%) |
| Median Home Value | $384,643 |
| Average Home Value | $424,353 |
Housing Distribution
Address Breakdown
Residential
2,505
Single Family
2,505
Multi-Family
0
Businesses
214
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tracey Olsen • Rise Realty Montana
Mls Name: MRMLS
Mls ID: #30058145