1120 Charlo St #103MissoulaMT59802
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Missoula rentals match the income profile of 1120 Charlo St #103, Missoula, MT, 59802. Listed at $241,598, gross rent is $2,246/mo and net cash flow is $634/mo, a 11.16% yield well above national averages. DSCR 2.07 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $66,749 by year five with $2,225/yr in annual principal reduction, projecting $144,962 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 5.2% |
| Monthly Cash Flow | $634 | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,246 |
| Total Monthly Debt Service | $1,316 |
| DSCR Ratio | 1.71x |
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.
Condo
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59802, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,796 (100%) |
| Owner Occupied HU | 4,887 (45.3%) |
| Renter Occupied HU | 5,443 (50.4%) |
| Vacant Housing Units | 466 ( 4.3%) |
| Median Home Value | $530,949 |
| Average Home Value | $570,590 |
Housing Distribution
Address Breakdown
Residential
9,870
Single Family
8,932
Multi-Family
938
Businesses
960
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
Condo
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59802, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,796 (100%) |
| Owner Occupied HU | 4,887 (45.3%) |
| Renter Occupied HU | 5,443 (50.4%) |
| Vacant Housing Units | 466 ( 4.3%) |
| Median Home Value | $530,949 |
| Average Home Value | $570,590 |
Housing Distribution
Address Breakdown
Residential
9,870
Single Family
8,932
Multi-Family
938
Businesses
960
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices