4850 Spurgin RdMissoulaMT59804
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4850 Spurgin Rd, Missoula, MT, 59804 in Missoula. Rental yield 2.8%. At $744,900 with 2.8% gross yield, current distributions are modest, but the 5% appreciation rate projects $205,802 in new equity by year five, complemented by $6,861/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.52) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $113,158.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 5.2% |
| Monthly Cash Flow | $(2,614) | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,740 |
| Total Monthly Debt Service | $4,057 |
| DSCR Ratio | 0.43x |
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.
Single Family
Built in 1983
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59804, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,335 (100%) |
| Owner Occupied HU | 2,408 (72.2%) |
| Renter Occupied HU | 843 (25.3%) |
| Vacant Housing Units | 84 ( 2.5%) |
| Median Home Value | $627,114 |
| Average Home Value | $664,957 |
Housing Distribution
Address Breakdown
Residential
3,412
Single Family
3,321
Multi-Family
91
Businesses
190
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 1983
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59804, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,335 (100%) |
| Owner Occupied HU | 2,408 (72.2%) |
| Renter Occupied HU | 843 (25.3%) |
| Vacant Housing Units | 84 ( 2.5%) |
| Median Home Value | $627,114 |
| Average Home Value | $664,957 |
Housing Distribution
Address Breakdown
Residential
3,412
Single Family
3,321
Multi-Family
91
Businesses
190
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices