103 Montgomery StWelcomeMN56181
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow103 Montgomery St, Welcome, MN, 56181 in Welcome is a solid income-producing rental, 10.67% gross yield, $1,244/mo rent, $370/mo net cash flow on a $140,000 buy. DSCR 1.97 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $38,679 and $1,289/yr in principal reduction project a total cumulative return of $76,896.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $370 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,244 |
| Total Monthly Debt Service | $819 |
| DSCR Ratio | 1.52x |
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.
Single Family
Built in 1956
9,060 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56181, Welcome, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 522 (100%) |
| Owner Occupied HU | 378 (72.4%) |
| Renter Occupied HU | 81 (15.5%) |
| Vacant Housing Units | 63 (12.1%) |
| Median Home Value | $187,500 |
| Average Home Value | $278,763 |
Housing Distribution
Address Breakdown
Residential
340
Single Family
340
Multi-Family
0
Businesses
35
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 1956
9,060 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56181, Welcome, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 522 (100%) |
| Owner Occupied HU | 378 (72.4%) |
| Renter Occupied HU | 81 (15.5%) |
| Vacant Housing Units | 63 (12.1%) |
| Median Home Value | $187,500 |
| Average Home Value | $278,763 |
Housing Distribution
Address Breakdown
Residential
340
Single Family
340
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices