2070 Cooper St APT 331MissoulaMT59802
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 2070 Cooper St APT 331, Missoula, MT, 59802 in Missoula at $304,200 earns $1,956/mo in rent and nets $178/mo after the $1,368/mo payment, a 7.72% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $84,045 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $2,802/yr in principal paydown, total projected return reaches $126,399.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.2% |
| Monthly Cash Flow | $178 | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,956 |
| Total Monthly Debt Service | $1,657 |
| DSCR Ratio | 1.18x |
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.
Apartment
Built in N/A
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
Apartment
Built in N/A
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