149 Pine AveMiltonaMN56354
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow149 Pine Ave, Miltona, MN, 56354 in Miltona is a top-tier cash-flow asset. At $299,900 it produces $2,604/mo in rent and $731/mo in net monthly income, a 10.42% gross rental yield. The DSCR of 1.93 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,775. Five-year appreciation adds $82,857, driving a total cumulative return of $160,855.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 7.0% |
| Monthly Cash Flow | $731 | $450 |
City averages based on Miltona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,604 |
| Total Monthly Debt Service | $1,753 |
| DSCR Ratio | 1.49x |
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 2005
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56354, Miltona, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,207 (100%) |
| Owner Occupied HU | 591 (49.0%) |
| Renter Occupied HU | 71 ( 5.9%) |
| Vacant Housing Units | 545 (45.2%) |
| Median Home Value | $491,284 |
| Average Home Value | $534,615 |
Housing Distribution
Address Breakdown
Residential
702
Single Family
702
Multi-Family
0
Businesses
38
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 2005
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56354, Miltona, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,207 (100%) |
| Owner Occupied HU | 591 (49.0%) |
| Renter Occupied HU | 71 ( 5.9%) |
| Vacant Housing Units | 545 (45.2%) |
| Median Home Value | $491,284 |
| Average Home Value | $534,615 |
Housing Distribution
Address Breakdown
Residential
702
Single Family
702
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices