1116 10th StGaylordMN55334
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1116 10th St, Gaylord, MN, 55334 in Gaylord. Priced at $359,900, it generates $3,506/mo in gross rent and $1,259/mo in net monthly cash flow, a 11.69% yield that comfortably supports the 2.17 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $15,108. Five-year appreciation: $99,434. Equity from principal paydown: $3,315/yr. Total projected cumulative return: $217,614.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $1,259 | $350 |
City averages based on Gaylord market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,506 |
| Total Monthly Debt Service | $2,104 |
| DSCR Ratio | 1.67x |
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 2001
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55334, Gaylord, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,261 (100%) |
| Owner Occupied HU | 817 (64.8%) |
| Renter Occupied HU | 357 (28.3%) |
| Vacant Housing Units | 87 ( 6.9%) |
| Median Home Value | $213,916 |
| Average Home Value | $253,807 |
Housing Distribution
Address Breakdown
Residential
782
Single Family
543
Multi-Family
239
Businesses
123
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 2001
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55334, Gaylord, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,261 (100%) |
| Owner Occupied HU | 817 (64.8%) |
| Renter Occupied HU | 357 (28.3%) |
| Vacant Housing Units | 87 ( 6.9%) |
| Median Home Value | $213,916 |
| Average Home Value | $253,807 |
Housing Distribution
Address Breakdown
Residential
782
Single Family
543
Multi-Family
239
Businesses
123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices