1226 45th Ave NESaint CloudMN56304
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1226 45th Ave NE, Saint Cloud, MN, 56304 in Saint Cloud. Priced at $239,900, it generates $2,136/mo in gross rent and $638/mo in net monthly cash flow, a 10.68% yield that comfortably supports the 1.98 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,655. Five-year appreciation: $66,280. Equity from principal paydown: $2,210/yr. Total projected cumulative return: $132,105.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $638 | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,136 |
| Total Monthly Debt Service | $1,403 |
| DSCR Ratio | 1.52x |
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.
Townhouse
Built in 2006
0.05 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
Townhouse
Built in 2006
0.05 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jon Brophy • RE/MAX Results
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6807554