825 Insulator AveHelenaMT59602
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 825 Insulator Ave, Helena, MT, 59602 in Helena at $518,500 earns $3,092/mo in rent and nets $62/mo after the $2,332/mo payment, a 7.16% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $143,252 over five years. Ziffy Mortgage underwrites this on a 1.33 DSCR without U.S. credit history. With $4,775/yr in principal paydown, total projected return reaches $199,782.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $62 | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,092 |
| Total Monthly Debt Service | $2,824 |
| DSCR Ratio | 1.09x |
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 2014
8,973 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59602, Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,543 (100%) |
| Owner Occupied HU | 10,271 (75.8%) |
| Renter Occupied HU | 2,250 (16.6%) |
| Vacant Housing Units | 1,022 ( 7.5%) |
| Median Home Value | $439,746 |
| Average Home Value | $499,065 |
Housing Distribution
Address Breakdown
Residential
12,446
Single Family
12,445
Multi-Family
1
Businesses
412
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 2014
8,973 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59602, Helena, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,543 (100%) |
| Owner Occupied HU | 10,271 (75.8%) |
| Renter Occupied HU | 2,250 (16.6%) |
| Vacant Housing Units | 1,022 ( 7.5%) |
| Median Home Value | $439,746 |
| Average Home Value | $499,065 |
Housing Distribution
Address Breakdown
Residential
12,446
Single Family
12,445
Multi-Family
1
Businesses
412
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices