14796 490th StWatervilleMN56096
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 14796 490th St, Waterville, MN, 56096 in Waterville speaks for itself: 12.27% gross on a $199,900 price, generating $2,045/mo in rent and $797/mo in net income after the $899/mo debt service. DSCR 2.27, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,558 stacks alongside $55,229 in projected five-year appreciation and $1,841/yr in principal reduction. Projected total cumulative return: $127,166.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.2% |
| Monthly Cash Flow | $797 | $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 | $2,045 |
| Total Monthly Debt Service | $1,169 |
| DSCR Ratio | 1.75x |
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 1910
2.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56096, Waterville, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,553 (100%) |
| Owner Occupied HU | 984 (63.4%) |
| Renter Occupied HU | 273 (17.6%) |
| Vacant Housing Units | 296 (19.1%) |
| Median Home Value | $342,248 |
| Average Home Value | $382,523 |
Housing Distribution
Address Breakdown
Residential
1,332
Single Family
1,233
Multi-Family
99
Businesses
91
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 1910
2.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56096, Waterville, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,553 (100%) |
| Owner Occupied HU | 984 (63.4%) |
| Renter Occupied HU | 273 (17.6%) |
| Vacant Housing Units | 296 (19.1%) |
| Median Home Value | $342,248 |
| Average Home Value | $382,523 |
Housing Distribution
Address Breakdown
Residential
1,332
Single Family
1,233
Multi-Family
99
Businesses
91
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices