16574 450th StBowlusMN56314
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 16574 450th St, Bowlus, MN, 56314 in Bowlus is capital appreciation. Rental yield 4.17%. The 4.17% gross yield at $425,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $117,420 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.77) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $85,631.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 7.0% |
| Monthly Cash Flow | $(1,176) | $550 |
City averages based on Bowlus market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,478 |
| Total Monthly Debt Service | $2,485 |
| DSCR Ratio | 0.59x |
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 1983
25.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56314, Bowlus, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 455 (100%) |
| Owner Occupied HU | 378 (83.1%) |
| Renter Occupied HU | 56 (12.3%) |
| Vacant Housing Units | 21 ( 4.6%) |
| Median Home Value | $351,471 |
| Average Home Value | $393,003 |
Housing Distribution
Address Breakdown
Residential
426
Single Family
426
Multi-Family
0
Businesses
12
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 1983
25.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56314, Bowlus, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 455 (100%) |
| Owner Occupied HU | 378 (83.1%) |
| Renter Occupied HU | 56 (12.3%) |
| Vacant Housing Units | 21 ( 4.6%) |
| Median Home Value | $351,471 |
| Average Home Value | $393,003 |
Housing Distribution
Address Breakdown
Residential
426
Single Family
426
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices