1211 County Road 2 SSaint StephenMN56375
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 1211 County Road 2 S, Saint Stephen, MN, 56375 in Saint Stephen is listed at $379,000 and delivers $3,143/mo in rent and $776/mo in net monthly cash flow. The 9.95% yield and 1.84 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $104,711 over five years, and $3,491/yr in principal reduction supplements cash return. Total projected cumulative return: $193,814.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $776 | $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 | $3,143 |
| Total Monthly Debt Service | $2,216 |
| 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 1977
1.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56375, Saint Stephen, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 334 (100%) |
| Owner Occupied HU | 292 (87.4%) |
| Renter Occupied HU | 32 ( 9.6%) |
| Vacant Housing Units | 10 ( 3.0%) |
| Median Home Value | $442,222 |
| Average Home Value | $528,716 |
Housing Distribution
Address Breakdown
Residential
326
Single Family
326
Multi-Family
0
Businesses
13
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 1977
1.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56375, Saint Stephen, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 334 (100%) |
| Owner Occupied HU | 292 (87.4%) |
| Renter Occupied HU | 32 ( 9.6%) |
| Vacant Housing Units | 10 ( 3.0%) |
| Median Home Value | $442,222 |
| Average Home Value | $528,716 |
Housing Distribution
Address Breakdown
Residential
326
Single Family
326
Multi-Family
0
Businesses
13
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: #7116963