521 Pheasant LnKalispellMT59901
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 521 Pheasant Ln, Kalispell, MT, 59901 in Kalispell at $605,000 earns $3,571/mo in rent and nets $35/mo after the $2,720/mo payment, a 7.08% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $167,150 over five years. Ziffy Mortgage underwrites this on a 1.31 DSCR without U.S. credit history. With $5,572/yr in principal paydown, total projected return reaches $230,814.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 5.8% |
| Monthly Cash Flow | $35 | $1,250 |
City averages based on Kalispell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,571 |
| Total Monthly Debt Service | $3,295 |
| DSCR Ratio | 1.08x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59901, Kalispell, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,457 (100%) |
| Owner Occupied HU | 17,985 (65.5%) |
| Renter Occupied HU | 7,466 (27.2%) |
| Vacant Housing Units | 2,006 ( 7.3%) |
| Median Home Value | $593,717 |
| Average Home Value | $660,585 |
Housing Distribution
Address Breakdown
Residential
25,652
Single Family
24,478
Multi-Family
1,174
Businesses
2,286
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59901, Kalispell, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,457 (100%) |
| Owner Occupied HU | 17,985 (65.5%) |
| Renter Occupied HU | 7,466 (27.2%) |
| Vacant Housing Units | 2,006 ( 7.3%) |
| Median Home Value | $593,717 |
| Average Home Value | $660,585 |
Housing Distribution
Address Breakdown
Residential
25,652
Single Family
24,478
Multi-Family
1,174
Businesses
2,286
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
