328 S Surrey StMissoulaMT59808
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow328 S Surrey St, Missoula, MT, 59808 in Missoula earns its strong cash-flow label: 17.36% yield, $1,696/mo rent, $1,011/mo net income, DSCR 3.22. The $117,200 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $32,380 by year five. Combined with $1,079/yr in principal paydown, total projected return reaches $109,333.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.4% | 5.2% |
| Monthly Cash Flow | $1,011 | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,696 |
| Total Monthly Debt Service | $638 |
| DSCR Ratio | 2.66x |
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.
Manufactured
Built in 1995
924 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
Manufactured
Built in 1995
924 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