2775 Riata Rd #AMissoulaMT59808
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 2775 Riata Rd #A, Missoula, MT, 59808 in Missoula the bet is firmly on appreciation. Rental yield 3.86%. The 3.86% gross yield on a $519,500 price is below income-first thresholds, but 5%/yr value growth projects $143,528 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.71) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $108,238.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 5.2% |
| Monthly Cash Flow | $(1,367) | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,669 |
| Total Monthly Debt Service | $2,830 |
| DSCR Ratio | 0.59x |
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.
Townhouse
Built in 2025
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59808, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,491 (100%) |
| Owner Occupied HU | 6,232 (54.2%) |
| Renter Occupied HU | 4,078 (35.5%) |
| Vacant Housing Units | 1,181 (10.3%) |
| Median Home Value | $502,727 |
| Average Home Value | $564,656 |
Housing Distribution
Address Breakdown
Residential
10,849
Single Family
9,815
Multi-Family
1,034
Businesses
1,346
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
Townhouse
Built in 2025
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59808, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,491 (100%) |
| Owner Occupied HU | 6,232 (54.2%) |
| Renter Occupied HU | 4,078 (35.5%) |
| Vacant Housing Units | 1,181 (10.3%) |
| Median Home Value | $502,727 |
| Average Home Value | $564,656 |
Housing Distribution
Address Breakdown
Residential
10,849
Single Family
9,815
Multi-Family
1,034
Businesses
1,346
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeremy Williams • Bannack Real Estate
Mls Name: MRMLS
Mls Provider:
Mls ID: #30044317
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.