212 W Bert StLake CrystalMN56055
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 212 W Bert St, Lake Crystal, MN, 56055 in Lake Crystal worth study. Rental yield 5.45%. The 5.45% gross yield is below cash-flow benchmarks at $198,000, but 5% annual appreciation, adding $54,704 over five years, frames this as a capital growth position. Rent of $900/mo partially offsets the $890/mo payment. Ziffy Mortgage finances appreciation-play properties (1.01 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $53,510.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 7.0% |
| Monthly Cash Flow | $(336) | $450 |
City averages based on Lake Crystal market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $900 |
| Total Monthly Debt Service | $1,158 |
| DSCR Ratio | 0.78x |
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.
Single Family
Built in 1930
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56055, Lake Crystal, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,683 (100%) |
| Owner Occupied HU | 1,321 (78.5%) |
| Renter Occupied HU | 279 (16.6%) |
| Vacant Housing Units | 83 ( 4.9%) |
| Median Home Value | $286,137 |
| Average Home Value | $329,131 |
Housing Distribution
Address Breakdown
Residential
841
Single Family
769
Multi-Family
72
Businesses
71
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 1930
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56055, Lake Crystal, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,683 (100%) |
| Owner Occupied HU | 1,321 (78.5%) |
| Renter Occupied HU | 279 (16.6%) |
| Vacant Housing Units | 83 ( 4.9%) |
| Median Home Value | $286,137 |
| Average Home Value | $329,131 |
Housing Distribution
Address Breakdown
Residential
841
Single Family
769
Multi-Family
72
Businesses
71
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Candee Deichman • Century 21 Atwood
Mls Name: RASM
Mls ID: #7038399