1900 White Cloud Dr EIsleMN56342
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $499,900, 1900 White Cloud Dr E, Isle, MN, 56342 in Isle generates $3,323/mo in rent (7.98% yield) but nets only $173/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.48) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $138,113. Total projected return: $202,662.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.1% |
| Monthly Cash Flow | $173 | $750 |
City averages based on Isle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,323 |
| Total Monthly Debt Service | $2,923 |
| DSCR Ratio | 1.14x |
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 2012
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56342, Isle, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,578 (100%) |
| Owner Occupied HU | 1,115 (43.3%) |
| Renter Occupied HU | 202 ( 7.8%) |
| Vacant Housing Units | 1,261 (48.9%) |
| Median Home Value | $326,908 |
| Average Home Value | $350,951 |
Housing Distribution
Address Breakdown
Residential
1,515
Single Family
1,515
Multi-Family
0
Businesses
117
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 2012
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56342, Isle, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,578 (100%) |
| Owner Occupied HU | 1,115 (43.3%) |
| Renter Occupied HU | 202 ( 7.8%) |
| Vacant Housing Units | 1,261 (48.9%) |
| Median Home Value | $326,908 |
| Average Home Value | $350,951 |
Housing Distribution
Address Breakdown
Residential
1,515
Single Family
1,515
Multi-Family
0
Businesses
117
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices