1851 County Road 4CarltonMN55718
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Carlton rental at 1851 County Road 4, Carlton, MN, 55718 sits in the solid-income band: 9.43% gross yield, $4,519/mo rent, $871/mo net after the $2,586/mo debt service, DSCR 1.75. Entry price of $575,200 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $158,917 and $5,298/yr in principal reduction bring total cumulative return to $274,537.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $871 | $600 |
City averages based on Carlton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,519 |
| Total Monthly Debt Service | $3,420 |
| DSCR Ratio | 1.32x |
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 N/A
5.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55718, Carlton, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,463 (100%) |
| Owner Occupied HU | 1,145 (78.3%) |
| Renter Occupied HU | 180 (12.3%) |
| Vacant Housing Units | 138 ( 9.4%) |
| Median Home Value | $322,017 |
| Average Home Value | $355,483 |
Housing Distribution
Address Breakdown
Residential
1,266
Single Family
1,158
Multi-Family
108
Businesses
101
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 N/A
5.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55718, Carlton, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,463 (100%) |
| Owner Occupied HU | 1,145 (78.3%) |
| Renter Occupied HU | 180 (12.3%) |
| Vacant Housing Units | 138 ( 9.4%) |
| Median Home Value | $322,017 |
| Average Home Value | $355,483 |
Housing Distribution
Address Breakdown
Residential
1,266
Single Family
1,158
Multi-Family
108
Businesses
101
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices