209 N Section AveSpring ValleyMN55975
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.97% gross rental yield, 209 N Section Ave, Spring Valley, MN, 55975 in Spring Valley is priced for capital growth, not immediate cash flow. The $175,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $48,349 by year five, with $1,612/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.11) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $52,065.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.2% |
| Monthly Cash Flow | $(223) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $870 |
| Total Monthly Debt Service | $1,023 |
| DSCR Ratio | 0.85x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1915
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55975, Spring Valley, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,961 (100%) |
| Owner Occupied HU | 1,476 (75.3%) |
| Renter Occupied HU | 338 (17.2%) |
| Vacant Housing Units | 147 ( 7.5%) |
| Median Home Value | $244,819 |
| Average Home Value | $301,804 |
Housing Distribution
Address Breakdown
Residential
1,863
Single Family
1,753
Multi-Family
110
Businesses
135
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
Multi Family
Built in 1915
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55975, Spring Valley, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,961 (100%) |
| Owner Occupied HU | 1,476 (75.3%) |
| Renter Occupied HU | 338 (17.2%) |
| Vacant Housing Units | 147 ( 7.5%) |
| Median Home Value | $244,819 |
| Average Home Value | $301,804 |
Housing Distribution
Address Breakdown
Residential
1,863
Single Family
1,753
Multi-Family
110
Businesses
135
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matthew Fowler • Fowler Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7000835