117 Red Lake Ave NSaint HilaireMN56754
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $135,000, 117 Red Lake Ave N, Saint Hilaire, MN, 56754 in Saint Hilaire generates $1,020/mo in rent (9.07% yield) but nets only $177/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.68) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $37,298. Total projected return: $62,630.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $177 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $789 |
| DSCR Ratio | 1.29x |
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 1920
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56754, Saint Hilaire, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 243 (100%) |
| Owner Occupied HU | 204 (84.0%) |
| Renter Occupied HU | 25 (10.3%) |
| Vacant Housing Units | 14 ( 5.8%) |
| Median Home Value | $271,951 |
| Average Home Value | $281,912 |
Housing Distribution
Address Breakdown
Residential
112
Single Family
112
Multi-Family
0
Businesses
14
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 1920
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56754, Saint Hilaire, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 243 (100%) |
| Owner Occupied HU | 204 (84.0%) |
| Renter Occupied HU | 25 (10.3%) |
| Vacant Housing Units | 14 ( 5.8%) |
| Median Home Value | $271,951 |
| Average Home Value | $281,912 |
Housing Distribution
Address Breakdown
Residential
112
Single Family
112
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7074203