109 Hearth CtMissoulaMT59803
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.23% yield at 109 Hearth Ct, Missoula, MT, 59803 in Missoula is solid, but the $1,979/mo payment compresses net cash flow to $78/mo at $440,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $121,564 by year five, and $4,052/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.34) without U.S. income documentation. Total projected return: $171,197.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.2% |
| Monthly Cash Flow | $78 | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,650 |
| Total Monthly Debt Service | $2,397 |
| DSCR Ratio | 1.11x |
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 1979
4,007 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59803, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,013 (100%) |
| Owner Occupied HU | 5,111 (72.9%) |
| Renter Occupied HU | 1,637 (23.3%) |
| Vacant Housing Units | 265 ( 3.8%) |
| Median Home Value | $571,139 |
| Average Home Value | $631,999 |
Housing Distribution
Address Breakdown
Residential
6,980
Single Family
6,940
Multi-Family
40
Businesses
128
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 1979
4,007 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59803, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,013 (100%) |
| Owner Occupied HU | 5,111 (72.9%) |
| Renter Occupied HU | 1,637 (23.3%) |
| Vacant Housing Units | 265 ( 3.8%) |
| Median Home Value | $571,139 |
| Average Home Value | $631,999 |
Housing Distribution
Address Breakdown
Residential
6,980
Single Family
6,940
Multi-Family
40
Businesses
128
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices