4500 Shale CirMillsWY82644
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 4500 Shale Cir, Mills, WY, 82644 in Mills hard to pass up. The 11.43% gross yield on a $424,900 purchase results in $4,048/mo in rent and $1,632/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.12). Annual cash flow of $19,579, five-year appreciation of $117,392, and $3,913/yr in equity build-up combine for a projected total cumulative return of $265,190.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 7.8% |
| Monthly Cash Flow | $1,632 | $450 |
City averages based on Mills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,048 |
| Total Monthly Debt Service | $2,247 |
| DSCR Ratio | 1.80x |
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 2026
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 82644, Mills, WY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,074 (100%) |
| Owner Occupied HU | 662 (61.6%) |
| Renter Occupied HU | 305 (28.4%) |
| Vacant Housing Units | 107 ( 10.0%) |
| Median Home Value | $315,152 |
| Average Home Value | $436,567 |
Housing Distribution
Address Breakdown
Residential
19
Single Family
19
Multi-Family
0
Businesses
379
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 2026
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 82644, Mills, WY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,074 (100%) |
| Owner Occupied HU | 662 (61.6%) |
| Renter Occupied HU | 305 (28.4%) |
| Vacant Housing Units | 107 ( 10.0%) |
| Median Home Value | $315,152 |
| Average Home Value | $436,567 |
Housing Distribution
Address Breakdown
Residential
19
Single Family
19
Multi-Family
0
Businesses
379
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices