7147 Joy DrMissoulaMT59803
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play7147 Joy Dr, Missoula, MT, 59803 in Missoula is priced for appreciation, not yield. Rental yield 4.57%. At $750,000 with a 4.57% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $207,211 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.85) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $181,684.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.2% |
| Monthly Cash Flow | $(1,582) | $1,250 |
City averages based on Missoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,858 |
| Total Monthly Debt Service | $4,142 |
| DSCR Ratio | 0.69x |
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 2015
8,015 sqft lot
$N/A/sqft
$60 annually 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 2015
8,015 sqft lot
$N/A/sqft
$60 annually 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
Listed by: Clinton Roberts • Windermere R E Missoula
Mls Name: MRMLS
Mls Provider:
Mls ID: #30039367
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.