1138 46th Ave SMoorheadMN56560
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow1138 46th Ave S, Moorhead, MN, 56560 in Moorhead is a top-tier cash-flow asset. At $339,800 it produces $2,831/mo in rent and $709/mo in net monthly income, a 10% gross rental yield. The DSCR of 1.85 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,507. Five-year appreciation adds $93,880, driving a total cumulative return of $174,605.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 7.1% |
| Monthly Cash Flow | $709 | $450 |
City averages based on Moorhead market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,831 |
| Total Monthly Debt Service | $1,987 |
| DSCR Ratio | 1.42x |
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56560, Moorhead, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,988 (100%) |
| Owner Occupied HU | 10,864 (54.4%) |
| Renter Occupied HU | 7,732 (38.7%) |
| Vacant Housing Units | 1,392 ( 7.0%) |
| Median Home Value | $304,220 |
| Average Home Value | $340,835 |
Housing Distribution
Address Breakdown
Residential
18,934
Single Family
13,479
Multi-Family
5,455
Businesses
933
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56560, Moorhead, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,988 (100%) |
| Owner Occupied HU | 10,864 (54.4%) |
| Renter Occupied HU | 7,732 (38.7%) |
| Vacant Housing Units | 1,392 ( 7.0%) |
| Median Home Value | $304,220 |
| Average Home Value | $340,835 |
Housing Distribution
Address Breakdown
Residential
18,934
Single Family
13,479
Multi-Family
5,455
Businesses
933
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices