4330 Cougar DrHelenaMT59602
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4330 Cougar Dr, Helena, MT, 59602 in Helena. Rental yield 5.23%. At $415,000 with 5.23% gross yield, current distributions are modest, but the 5% appreciation rate projects $114,657 in new equity by year five, complemented by $3,822/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.97) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $116,907.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.0% |
| Monthly Cash Flow | $(619) | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,808 |
| Total Monthly Debt Service | $2,262 |
| DSCR Ratio | 0.80x |
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.
Single Family
Built in 1978
10,454 sqft lot
$N/A/sqft
$25 annually 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 1978
10,454 sqft lot
$N/A/sqft
$25 annually 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
Listed by: Tom McDuffie • Bahny Realty
Mls Name: MRMLS
Mls Provider:
Mls ID: #30046552
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.