644 3rd Ave WKalispellMT59901
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play644 3rd Ave W, Kalispell, MT, 59901 in Kalispell is priced for appreciation, not yield. Rental yield 5.57%. At $649,900 with a 5.57% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $179,555 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.03) 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: $195,278.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 5.8% |
| Monthly Cash Flow | $(780) | $1,250 |
City averages based on Kalispell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,018 |
| Total Monthly Debt Service | $3,540 |
| DSCR Ratio | 0.85x |
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 1910
6,969 sqft 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 1910
6,969 sqft 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
Listed by: Mark S Nelson • ERA Lambros Real Estate Kalispell
Mls Name: MRMLS
Mls Provider:
Mls ID: #30032198
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.