108 4th St SWPine IslandMN55963
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow108 4th St SW, Pine Island, MN, 55963 in Pine Island is a top-tier cash-flow asset. At $189,900 it produces $1,946/mo in rent and $760/mo in net monthly income, a 12.3% gross rental yield. The DSCR of 2.28 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $9,122. Five-year appreciation adds $52,466, driving a total cumulative return of $120,990.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 5.5% |
| Monthly Cash Flow | $760 | $450 |
City averages based on Pine Island market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,946 |
| Total Monthly Debt Service | $1,110 |
| DSCR Ratio | 1.75x |
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 1880
8,276 sqft lot
$N/A/sqft
No HOA
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 1880
8,276 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elizabeth Burch • Re/Max Results
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6819647