500 S 20th AveBozemanMT59718
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 500 S 20th Ave, Bozeman, MT, 59718 in Bozeman is capital appreciation. Rental yield 2.45%. The 2.45% gross yield at $1,099,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $303,633 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.45) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $146,251.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 4.2% |
| Monthly Cash Flow | $(4,177) | $1,850 |
City averages based on Bozeman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,246 |
| Total Monthly Debt Service | $5,986 |
| DSCR Ratio | 0.38x |
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.
Multi Family
Built in 1976
0.28 Acres lot
$N/A/sqft
No 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
Multi Family
Built in 1976
0.28 Acres lot
$N/A/sqft
No 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: Shea Bartsch • Bozeman Real Estate Group
Mls Name: Big Sky Country MLS
Mls ID: #392319
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.