200 W Maine StAmboyMN56010
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 200 W Maine St, Amboy, MN, 56010 in Amboy is narrow, $173/mo net on $1,022/mo rent after the $612/mo debt service, but the property operates at break-even-plus, not a loss. At $136,000 with a 9.02% yield, the long-run equity case via 5% appreciation ($37,574 over five years) and $1,253/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.67 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $62,731.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.0% |
| Monthly Cash Flow | $173 | $300 |
City averages based on Amboy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,022 |
| Total Monthly Debt Service | $795 |
| DSCR Ratio | 1.29x |
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 1886
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56010, Amboy, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 527 (100%) |
| Owner Occupied HU | 390 (74.0%) |
| Renter Occupied HU | 83 (15.7%) |
| Vacant Housing Units | 54 (10.2%) |
| Median Home Value | $335,616 |
| Average Home Value | $412,603 |
Housing Distribution
Address Breakdown
Residential
253
Single Family
230
Multi-Family
23
Businesses
29
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 1886
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56010, Amboy, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 527 (100%) |
| Owner Occupied HU | 390 (74.0%) |
| Renter Occupied HU | 83 (15.7%) |
| Vacant Housing Units | 54 (10.2%) |
| Median Home Value | $335,616 |
| Average Home Value | $412,603 |
Housing Distribution
Address Breakdown
Residential
253
Single Family
230
Multi-Family
23
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices