6445 Mullan RdMissoulaMT59808
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.37% yield at 6445 Mullan Rd, Missoula, MT, 59808 in Missoula is solid, but the $1,931/mo payment compresses net cash flow to $129/mo at $429,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $118,663 by year five, and $3,956/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.37) without U.S. income documentation. Total projected return: $170,509.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.2% |
| Monthly Cash Flow | $129 | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,639 |
| Total Monthly Debt Service | $2,339 |
| DSCR Ratio | 1.13x |
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.
Multi Family
Built in 1990
10,193 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59808, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,491 (100%) |
| Owner Occupied HU | 6,232 (54.2%) |
| Renter Occupied HU | 4,078 (35.5%) |
| Vacant Housing Units | 1,181 (10.3%) |
| Median Home Value | $502,727 |
| Average Home Value | $564,656 |
Housing Distribution
Address Breakdown
Residential
10,849
Single Family
9,815
Multi-Family
1,034
Businesses
1,346
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
Multi Family
Built in 1990
10,193 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 59808, Missoula, MT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,491 (100%) |
| Owner Occupied HU | 6,232 (54.2%) |
| Renter Occupied HU | 4,078 (35.5%) |
| Vacant Housing Units | 1,181 (10.3%) |
| Median Home Value | $502,727 |
| Average Home Value | $564,656 |
Housing Distribution
Address Breakdown
Residential
10,849
Single Family
9,815
Multi-Family
1,034
Businesses
1,346
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices