215 1st St NEMcIntoshMN56556
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 215 1st St NE, McIntosh, MN, 56556 in McIntosh is narrow, $177/mo net on $901/mo rent after the $549/mo debt service, but the property operates at break-even-plus, not a loss. At $115,900 with a 9.33% yield, the long-run equity case via 5% appreciation ($32,021 over five years) and $972/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.64 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $53,259.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $177 | $400 |
City averages based on McIntosh 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 | $901 |
| Total Monthly Debt Service | $706 |
| DSCR Ratio | 1.28x |
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 1900
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56556, Mcintosh, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 459 (100%) |
| Owner Occupied HU | 302 (65.8%) |
| Renter Occupied HU | 80 (17.4%) |
| Vacant Housing Units | 77 (16.8%) |
| Median Home Value | $226,531 |
| Average Home Value | $258,709 |
Housing Distribution
Address Breakdown
Residential
424
Single Family
370
Multi-Family
54
Businesses
39
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
