10185 440th StHoldingfordMN56340
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 10185 440th St, Holdingford, MN, 56340 in Holdingford. Rental yield 6.89%. The 1.28 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $151,927 and $5,065/yr in principal reduction project total return of $190,821.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.8% |
| Monthly Cash Flow | $(277) | $150 |
City averages based on Holdingford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,157 |
| Total Monthly Debt Service | $3,215 |
| DSCR Ratio | 0.98x |
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 2021
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56340, Holdingford, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,017 (100%) |
| Owner Occupied HU | 858 (84.4%) |
| Renter Occupied HU | 111 (10.9%) |
| Vacant Housing Units | 48 ( 4.7%) |
| Median Home Value | $374,654 |
| Average Home Value | $423,220 |
Housing Distribution
Address Breakdown
Residential
776
Single Family
760
Multi-Family
16
Businesses
44
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 2021
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56340, Holdingford, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,017 (100%) |
| Owner Occupied HU | 858 (84.4%) |
| Renter Occupied HU | 111 (10.9%) |
| Vacant Housing Units | 48 ( 4.7%) |
| Median Home Value | $374,654 |
| Average Home Value | $423,220 |
Housing Distribution
Address Breakdown
Residential
776
Single Family
760
Multi-Family
16
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7036431