4212 23rd AveMissoulaMT59803
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 4212 23rd Ave, Missoula, MT, 59803 in Missoula delivers $3,485/mo in gross rent and $709/mo in net monthly income at a $475,000 entry. The 8.8% yield and 1.63 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $131,234 over five years and $4,375/yr in equity from loan paydown, total projected return is $225,014.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.2% |
| Monthly Cash Flow | $709 | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,485 |
| Total Monthly Debt Service | $2,587 |
| DSCR Ratio | 1.35x |
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 1962
8,102 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59803, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,013 (100%) |
| Owner Occupied HU | 5,111 (72.9%) |
| Renter Occupied HU | 1,637 (23.3%) |
| Vacant Housing Units | 265 ( 3.8%) |
| Median Home Value | $571,139 |
| Average Home Value | $631,999 |
Housing Distribution
Address Breakdown
Residential
6,980
Single Family
6,940
Multi-Family
40
Businesses
128
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 1962
8,102 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59803, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,013 (100%) |
| Owner Occupied HU | 5,111 (72.9%) |
| Renter Occupied HU | 1,637 (23.3%) |
| Vacant Housing Units | 265 ( 3.8%) |
| Median Home Value | $571,139 |
| Average Home Value | $631,999 |
Housing Distribution
Address Breakdown
Residential
6,980
Single Family
6,940
Multi-Family
40
Businesses
128
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices