109 Elm CirHallockMN56728
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow109 Elm Cir, Hallock, MN, 56728 in Hallock earns its strong cash-flow label: 10.01% yield, $3,161/mo rent, $794/mo net income, DSCR 1.86. The $379,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $104,711 by year five. Combined with $3,491/yr in principal paydown, total projected return reaches $194,966.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 7.5% |
| Monthly Cash Flow | $794 | $700 |
City averages based on Hallock market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,161 |
| Total Monthly Debt Service | $2,216 |
| DSCR Ratio | 1.43x |
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 2024
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56728, Hallock, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 668 (100%) |
| Owner Occupied HU | 416 (62.3%) |
| Renter Occupied HU | 141 (21.1%) |
| Vacant Housing Units | 111 (16.6%) |
| Median Home Value | $185,135 |
| Average Home Value | $252,067 |
Housing Distribution
Address Breakdown
Residential
383
Single Family
326
Multi-Family
57
Businesses
100
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 2024
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56728, Hallock, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 668 (100%) |
| Owner Occupied HU | 416 (62.3%) |
| Renter Occupied HU | 141 (21.1%) |
| Vacant Housing Units | 111 (16.6%) |
| Median Home Value | $185,135 |
| Average Home Value | $252,067 |
Housing Distribution
Address Breakdown
Residential
383
Single Family
326
Multi-Family
57
Businesses
100
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices