1136 6th Ave NEValley CityND58072
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1136 6th Ave NE, Valley City, ND, 58072 in Valley City the bet is firmly on appreciation. Rental yield 4.53%. The 4.53% gross yield on a $319,900 price is below income-first thresholds, but 5%/yr value growth projects $88,382 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.84) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $73,571.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.1% |
| Monthly Cash Flow | $(740) | $450 |
City averages based on Valley City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,207 |
| Total Monthly Debt Service | $1,820 |
| DSCR Ratio | 0.66x |
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 1971
10,018 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 1971
10,018 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Loni Trapp • Ivy Real Estate Group
Mls Name: Great North MLS
Mls ID: #4023269