203 4th St SDe GraffMN56271
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 203 4th St S, De Graff, MN, 56271 in De Graff at $120,000 earns $929/mo in rent and nets $180/mo after the $540/mo payment, a 9.29% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $33,154 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $1,105/yr in principal paydown, total projected return reaches $57,069.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $180 | $850 |
City averages based on De Graff market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $929 |
| Total Monthly Debt Service | $702 |
| 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 1910
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56271, Murdock, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 507 (100%) |
| Owner Occupied HU | 371 (73.2%) |
| Renter Occupied HU | 72 (14.2%) |
| Vacant Housing Units | 64 (12.6%) |
| Median Home Value | $299,194 |
| Average Home Value | $333,720 |
Housing Distribution
Address Breakdown
Residential
468
Single Family
468
Multi-Family
0
Businesses
36
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 1910
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56271, Murdock, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 507 (100%) |
| Owner Occupied HU | 371 (73.2%) |
| Renter Occupied HU | 72 (14.2%) |
| Vacant Housing Units | 64 (12.6%) |
| Median Home Value | $299,194 |
| Average Home Value | $333,720 |
Housing Distribution
Address Breakdown
Residential
468
Single Family
468
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices