13940 3rd Ave SZimmermanMN55398
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 13940 3rd Ave S, Zimmerman, MN, 55398 in Zimmerman. Priced at $384,500, it generates $3,678/mo in gross rent and $1,277/mo in net monthly cash flow, a 11.48% yield that comfortably supports the 2.13 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $15,324. Five-year appreciation: $106,230. Equity from principal paydown: $3,541/yr. Total projected cumulative return: $228,068.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $1,277 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,678 |
| Total Monthly Debt Service | $2,248 |
| DSCR Ratio | 1.64x |
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 2021
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55398, Zimmerman, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,944 (100%) |
| Owner Occupied HU | 5,913 (85.2%) |
| Renter Occupied HU | 760 (10.9%) |
| Vacant Housing Units | 271 ( 3.9%) |
| Median Home Value | $371,631 |
| Average Home Value | $394,857 |
Housing Distribution
Address Breakdown
Residential
6,704
Single Family
6,201
Multi-Family
503
Businesses
254
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 2021
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55398, Zimmerman, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,944 (100%) |
| Owner Occupied HU | 5,913 (85.2%) |
| Renter Occupied HU | 760 (10.9%) |
| Vacant Housing Units | 271 ( 3.9%) |
| Median Home Value | $371,631 |
| Average Home Value | $394,857 |
Housing Distribution
Address Breakdown
Residential
6,704
Single Family
6,201
Multi-Family
503
Businesses
254
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices