1325 S 1st St W APT 5MissoulaMT59801
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Missoula rental at 1325 S 1st St W APT 5, Missoula, MT, 59801 sits in the solid-income band: 9.02% gross yield, $2,066/mo rent, $278/mo net after the $1,237/mo debt service, DSCR 1.67. Entry price of $275,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $75,977 and $2,533/yr in principal reduction bring total cumulative return to $122,511.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.2% |
| Monthly Cash Flow | $278 | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,066 |
| Total Monthly Debt Service | $1,679 |
| DSCR Ratio | 1.23x |
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 1995
N/A lot
$N/A/sqft
$125 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59801, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,893 (100%) |
| Owner Occupied HU | 6,176 (38.9%) |
| Renter Occupied HU | 8,819 (55.5%) |
| Vacant Housing Units | 898 ( 5.7%) |
| Median Home Value | $455,842 |
| Average Home Value | $524,008 |
Housing Distribution
Address Breakdown
Residential
14,819
Single Family
14,139
Multi-Family
680
Businesses
1,440
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 1995
N/A lot
$N/A/sqft
$125 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59801, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,893 (100%) |
| Owner Occupied HU | 6,176 (38.9%) |
| Renter Occupied HU | 8,819 (55.5%) |
| Vacant Housing Units | 898 ( 5.7%) |
| Median Home Value | $455,842 |
| Average Home Value | $524,008 |
Housing Distribution
Address Breakdown
Residential
14,819
Single Family
14,139
Multi-Family
680
Businesses
1,440
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matt Rosbarsky • Clark Fork Realty
Mls Name: MRMLS
Mls Provider:
Mls ID: #30054745
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.