1226 45th Ave NE, Saint Cloud, MN, 56304 | $638/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Saint Cloud at 1226 45th Ave NE, Saint Cloud, MN, 56304 offers a 10.68% rental yield on a $239,900 purchase with $2,136/mo rent. Total monthly income registers $2,136/mo, and a $1,174/mo payment leaves $638/mo available for distribution. Annual cash flow reaches $7,658/yr on $79,527 to close, and return on cash invested stands at 29.54% in year one. Equity gained on principal adds $1,548/yr while 5% annual appreciation supports $66,280 over five years. Portfolio math shows five-year ROI at 154.6% and total cumulative return in cash at $122,947. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $2,136/mo property income against a $1,174/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Townhouse

Built in 2006

0.05 sqft lot

$N/A/sqft

No HOA