1305 20th Ave SSartellMN56377
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.8% gross rental yield, 1305 20th Ave S, Sartell, MN, 56377 in Sartell is priced for capital growth, not immediate cash flow. The $819,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $226,523 by year five, with $7,551/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.08) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $229,178.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 7.2% |
| Monthly Cash Flow | $(1,281) | $400 |
City averages based on Sartell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,965 |
| Total Monthly Debt Service | $4,920 |
| DSCR Ratio | 0.81x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2019
0.28 Acres lot
$N/A/sqft
$350 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56377, Sartell, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,633 (100%) |
| Owner Occupied HU | 5,291 (61.3%) |
| Renter Occupied HU | 3,129 (36.2%) |
| Vacant Housing Units | 213 ( 2.5%) |
| Median Home Value | $354,445 |
| Average Home Value | $419,182 |
Housing Distribution
Address Breakdown
Residential
8,464
Single Family
5,885
Multi-Family
2,579
Businesses
384
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 2019
0.28 Acres lot
$N/A/sqft
$350 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56377, Sartell, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,633 (100%) |
| Owner Occupied HU | 5,291 (61.3%) |
| Renter Occupied HU | 3,129 (36.2%) |
| Vacant Housing Units | 213 ( 2.5%) |
| Median Home Value | $354,445 |
| Average Home Value | $419,182 |
Housing Distribution
Address Breakdown
Residential
8,464
Single Family
5,885
Multi-Family
2,579
Businesses
384
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Emily Schmitt • VoigtJohnson
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #6651208
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