4635 Bembrick St UNIT 3CBozemanMT59718
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderNot flashy, but dependably profitable, 4635 Bembrick St UNIT 3C, Bozeman, MT, 59718 in Bozeman is listed at $369,900 and delivers $2,381/mo in rent and $219/mo in net monthly cash flow. The 7.72% yield and 1.43 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $102,197 over five years, and $3,407/yr in principal reduction supplements cash return. Total projected cumulative return: $140,342.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 4.2% |
| Monthly Cash Flow | $219 | $1,850 |
City averages based on Bozeman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,381 |
| Total Monthly Debt Service | $2,240 |
| DSCR Ratio | 1.06x |
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.
Condo
Built in 2007
N/A lot
$N/A/sqft
$225 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59718, Bozeman, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,663 (100%) |
| Owner Occupied HU | 11,632 (51.3%) |
| Renter Occupied HU | 9,000 (39.7%) |
| Vacant Housing Units | 2,031 ( 9.0%) |
| Median Home Value | $674,274 |
| Average Home Value | $744,545 |
Housing Distribution
Address Breakdown
Residential
21,471
Single Family
20,826
Multi-Family
645
Businesses
1,607
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 2007
N/A lot
$N/A/sqft
$225 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59718, Bozeman, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,663 (100%) |
| Owner Occupied HU | 11,632 (51.3%) |
| Renter Occupied HU | 9,000 (39.7%) |
| Vacant Housing Units | 2,031 ( 9.0%) |
| Median Home Value | $674,274 |
| Average Home Value | $744,545 |
Housing Distribution
Address Breakdown
Residential
21,471
Single Family
20,826
Multi-Family
645
Businesses
1,607
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shayne Utter • Keller Williams Montana Realty
Mls Name: Big Sky Country MLS
Mls ID: #403684
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.