209 Oak St SMabelMN55954
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 209 Oak St S, Mabel, MN, 55954 in Mabel. Priced at $210,000, it generates $1,952/mo in gross rent and $641/mo in net monthly cash flow, a 11.16% yield that comfortably supports the 1.96 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,693. Five-year appreciation: $58,019. Equity from principal paydown: $1,760/yr. Total projected cumulative return: $116,946.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.2% |
| Monthly Cash Flow | $641 | $750 |
City averages based on Mabel market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,952 |
| Total Monthly Debt Service | $1,279 |
| DSCR Ratio | 1.53x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1901
9,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55954, Mabel, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 767 (100%) |
| Owner Occupied HU | 525 (68.4%) |
| Renter Occupied HU | 120 (15.6%) |
| Vacant Housing Units | 122 (15.9%) |
| Median Home Value | $197,917 |
| Average Home Value | $287,705 |
Housing Distribution
Address Breakdown
Residential
581
Single Family
557
Multi-Family
24
Businesses
51
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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
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