8865 Jack Pine DrHelenaMT59602
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.99% gross rental yield, 8865 Jack Pine Dr, Helena, MT, 59602 in Helena is priced for capital growth, not immediate cash flow. The $690,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $190,634 by year five, with $6,355/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.92) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $185,766.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.0% |
| Monthly Cash Flow | $(1,162) | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,870 |
| Total Monthly Debt Service | $3,758 |
| DSCR Ratio | 0.76x |
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 2019
2.03 Acres 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 2019
2.03 Acres 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
Listed by: Sadie Rose Taylor • Windermere - Helena
Mls Name: MRMLS
Mls Provider:
Mls ID: #30052447
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.