216 1st St SERothsayMN56579
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Rothsay rentals match the income profile of 216 1st St SE, Rothsay, MN, 56579. Listed at $147,000, gross rent is $1,700/mo and net cash flow is $782/mo, a 13.88% yield well above national averages. DSCR 2.57 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $40,613 by year five with $1,354/yr in annual principal reduction, projecting $106,123 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.9% | 5.0% |
| Monthly Cash Flow | $782 | $350 |
City averages based on Rothsay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,700 |
| Total Monthly Debt Service | $859 |
| DSCR Ratio | 1.98x |
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 1923
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56579, Rothsay, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 457 (100%) |
| Owner Occupied HU | 360 (78.8%) |
| Renter Occupied HU | 59 (12.9%) |
| Vacant Housing Units | 38 ( 8.3%) |
| Median Home Value | $300,000 |
| Average Home Value | $331,000 |
Housing Distribution
Address Breakdown
Residential
452
Single Family
436
Multi-Family
16
Businesses
25
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 1923
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56579, Rothsay, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 457 (100%) |
| Owner Occupied HU | 360 (78.8%) |
| Renter Occupied HU | 59 (12.9%) |
| Vacant Housing Units | 38 ( 8.3%) |
| Median Home Value | $300,000 |
| Average Home Value | $331,000 |
Housing Distribution
Address Breakdown
Residential
452
Single Family
436
Multi-Family
16
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices