408 22nd Ave WPolsonMT59860
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 408 22nd Ave W, Polson, MT, 59860 in Polson at $420,000 earns $2,574/mo in rent and nets $119/mo after the $1,889/mo payment, a 7.35% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $116,038 over five years. Ziffy Mortgage underwrites this on a 1.36 DSCR without U.S. credit history. With $3,868/yr in principal paydown, total projected return reaches $166,273.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $119 | $520 |
City averages based on Polson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,574 |
| Total Monthly Debt Service | $2,288 |
| DSCR Ratio | 1.13x |
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 1993
9,060 sqft 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 1993
9,060 sqft 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
Listed by: Cori Calvert • eXp Realty - Kalispell
Mls Name: MRMLS
Mls Provider:
Mls ID: #30028046
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.