1321 Hagar STREETLa CrosseWI54603
INVESTMENT ANALYSIS
Investment Verdict
Solid Income1321 Hagar STREET, La Crosse, WI, 54603 in La Crosse carries a 1.59 coverage ratio, rent of $1,933/mo is 1.59 times the $1,214/mo payment. Rental yield 8.6%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $269,900 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $74,568; total projected cumulative return: $110,780.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.8% |
| Monthly Cash Flow | $(98) | $450 |
City averages based on La Crosse market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,933 |
| Total Monthly Debt Service | $1,704 |
| DSCR Ratio | 1.13x |
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.
Condo
Built in 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54603, La Crosse, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,285 (100%) |
| Owner Occupied HU | 3,547 (48.7%) |
| Renter Occupied HU | 3,361 (46.1%) |
| Vacant Housing Units | 377 ( 5.2%) |
| Median Home Value | $211,498 |
| Average Home Value | $270,956 |
Housing Distribution
Address Breakdown
Residential
6,908
Single Family
5,749
Multi-Family
1,159
Businesses
588
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
Condo
Built in 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54603, La Crosse, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,285 (100%) |
| Owner Occupied HU | 3,547 (48.7%) |
| Renter Occupied HU | 3,361 (46.1%) |
| Vacant Housing Units | 377 ( 5.2%) |
| Median Home Value | $211,498 |
| Average Home Value | $270,956 |
Housing Distribution
Address Breakdown
Residential
6,908
Single Family
5,749
Multi-Family
1,159
Businesses
588
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices