95 Mountain Moose RdPhilipsburgMT59858
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 95 Mountain Moose Rd, Philipsburg, MT, 59858 in Philipsburg fits: $1,999,975, 2.57% gross yield, and a projected 5% annual appreciation rate adding $552,556 in value within five years. Rental yield 2.57%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.48) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $18,420/yr in principal paydown and $552,556 in appreciation project a total return of $279,148.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.2% |
| Monthly Cash Flow | $(7,401) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,288 |
| Total Monthly Debt Service | $10,893 |
| DSCR Ratio | 0.39x |
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 2000
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59858, Philipsburg, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,342 (100%) |
| Owner Occupied HU | 684 (51.0%) |
| Renter Occupied HU | 188 (14.0%) |
| Vacant Housing Units | 470 (35.0%) |
| Median Home Value | $400,000 |
| Average Home Value | $543,048 |
Housing Distribution
Address Breakdown
Residential
360
Single Family
359
Multi-Family
1
Businesses
112
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 2000
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59858, Philipsburg, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,342 (100%) |
| Owner Occupied HU | 684 (51.0%) |
| Renter Occupied HU | 188 (14.0%) |
| Vacant Housing Units | 470 (35.0%) |
| Median Home Value | $400,000 |
| Average Home Value | $543,048 |
Housing Distribution
Address Breakdown
Residential
360
Single Family
359
Multi-Family
1
Businesses
112
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Devin Khoury • PureWest Real Estate - Missoula
Mls Name: MRMLS
Mls ID: #30055895