206 Np Dr SWFertileMN56540
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 206 Np Dr SW, Fertile, MN, 56540 in Fertile, $109,900, 9.65% gross yield, $198/mo net income. Consider it a market-entry position, the $832/mo rent covers the $494/mo payment with a margin, and 5%/yr appreciation is projected to add $30,363 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.68) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $51,100.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 7.0% |
| Monthly Cash Flow | $198 | $500 |
City averages based on Fertile market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $832 |
| Total Monthly Debt Service | $643 |
| 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 1952
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56540, Fertile, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 871 (100%) |
| Owner Occupied HU | 613 (70.4%) |
| Renter Occupied HU | 137 (15.7%) |
| Vacant Housing Units | 121 (13.9%) |
| Median Home Value | $247,951 |
| Average Home Value | $263,740 |
Housing Distribution
Address Breakdown
Residential
800
Single Family
721
Multi-Family
79
Businesses
60
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 1952
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56540, Fertile, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 871 (100%) |
| Owner Occupied HU | 613 (70.4%) |
| Renter Occupied HU | 137 (15.7%) |
| Vacant Housing Units | 121 (13.9%) |
| Median Home Value | $247,951 |
| Average Home Value | $263,740 |
Housing Distribution
Address Breakdown
Residential
800
Single Family
721
Multi-Family
79
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Peter Sullivan • Greenberg Realty
Mls Name: GFBMLS
Mls Provider:
Mls ID: #25-303
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.