2009 25th St SSaint CloudMN56301
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 2009 25th St S, Saint Cloud, MN, 56301 in Saint Cloud at $569,900 earns $3,678/mo in rent and nets $119/mo after the $2,563/mo payment, a 7.74% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $157,453 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $5,249/yr in principal paydown, total projected return reaches $223,908.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $119 | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,678 |
| Total Monthly Debt Service | $3,332 |
| DSCR Ratio | 1.10x |
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 1998
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56301, Saint Cloud, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,864 (100%) |
| Owner Occupied HU | 6,863 (49.5%) |
| Renter Occupied HU | 6,027 (43.5%) |
| Vacant Housing Units | 974 ( 7.0%) |
| Median Home Value | $341,513 |
| Average Home Value | $399,092 |
Housing Distribution
Address Breakdown
Residential
13,460
Single Family
8,425
Multi-Family
5,035
Businesses
1,236
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 1998
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56301, Saint Cloud, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,864 (100%) |
| Owner Occupied HU | 6,863 (49.5%) |
| Renter Occupied HU | 6,027 (43.5%) |
| Vacant Housing Units | 974 ( 7.0%) |
| Median Home Value | $341,513 |
| Average Home Value | $399,092 |
Housing Distribution
Address Breakdown
Residential
13,460
Single Family
8,425
Multi-Family
5,035
Businesses
1,236
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christopher Hauck • Coldwell Banker Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7016641