405 W Central AveMissoulaMT59801
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid, durable, and financeable, 405 W Central Ave, Missoula, MT, 59801 in Missoula earns a 7.64% gross yield at $589,000. Rent of $3,750/mo nets $308/mo after the $2,649/mo mortgage. The 1.42 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $162,730 and $5,425/yr in equity accumulation project a total cumulative return of $242,240.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.2% |
| Monthly Cash Flow | $308 | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,750 |
| Total Monthly Debt Service | $3,208 |
| DSCR Ratio | 1.17x |
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.
Single Family
Built in 1944
7,187 sqft lot
$N/A/sqft
No 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
Single Family
Built in 1944
7,187 sqft lot
$N/A/sqft
No 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