628 Howell StMissoulaMT59802
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 628 Howell St, Missoula, MT, 59802 in Missoula aligned with their strategy. Rental yield 6.03%. DSCR 1.12 and 6.03% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $5,848/yr in paydown build toward a projected cumulative return of $206,321.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.2% |
| Monthly Cash Flow | $(522) | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,190 |
| Total Monthly Debt Service | $3,459 |
| DSCR Ratio | 0.92x |
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 2014
3,876 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59802, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,796 (100%) |
| Owner Occupied HU | 4,887 (45.3%) |
| Renter Occupied HU | 5,443 (50.4%) |
| Vacant Housing Units | 466 ( 4.3%) |
| Median Home Value | $530,949 |
| Average Home Value | $570,590 |
Housing Distribution
Address Breakdown
Residential
9,870
Single Family
8,932
Multi-Family
938
Businesses
960
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 2014
3,876 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59802, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,796 (100%) |
| Owner Occupied HU | 4,887 (45.3%) |
| Renter Occupied HU | 5,443 (50.4%) |
| Vacant Housing Units | 466 ( 4.3%) |
| Median Home Value | $530,949 |
| Average Home Value | $570,590 |
Housing Distribution
Address Breakdown
Residential
9,870
Single Family
8,932
Multi-Family
938
Businesses
960
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices