60 Cottage Lake VwEurekaMT59917
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play60 Cottage Lake Vw, Eureka, MT, 59917 in Eureka is priced for appreciation, not yield. Rental yield 3.15%. At $1,075,000 with a 3.15% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $297,003 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.58) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $174,130.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 4.1% |
| Monthly Cash Flow | $(3,614) | $1,850 |
City averages based on Eureka market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,824 |
| Total Monthly Debt Service | $6,010 |
| DSCR Ratio | 0.47x |
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 2020
2,874 sqft lot
$N/A/sqft
$155 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59917, Eureka, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,576 (100%) |
| Owner Occupied HU | 1,611 (62.5%) |
| Renter Occupied HU | 393 (15.3%) |
| Vacant Housing Units | 572 (22.2%) |
| Median Home Value | $385,634 |
| Average Home Value | $470,579 |
Housing Distribution
Address Breakdown
Residential
1,262
Single Family
1,260
Multi-Family
2
Businesses
242
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 2020
2,874 sqft lot
$N/A/sqft
$155 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59917, Eureka, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,576 (100%) |
| Owner Occupied HU | 1,611 (62.5%) |
| Renter Occupied HU | 393 (15.3%) |
| Vacant Housing Units | 572 (22.2%) |
| Median Home Value | $385,634 |
| Average Home Value | $470,579 |
Housing Distribution
Address Breakdown
Residential
1,262
Single Family
1,260
Multi-Family
2
Businesses
242
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sandi Hall • National Parks Realty - Eureka
Mls Name: MRMLS
Mls Provider:
Mls ID: #30044637
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.