217 1st Ave SENyaMN55397
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 217 1st Ave SE, Nya, MN, 55397 in Nya at $335,000 earns $2,263/mo in rent and nets $171/mo after the $1,506/mo payment, a 8.11% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $92,554 over five years. Ziffy Mortgage underwrites this on a 1.50 DSCR without U.S. credit history. With $3,085/yr in principal paydown, total projected return reaches $138,145.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $171 | $350 |
City averages based on Nya market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,263 |
| Total Monthly Debt Service | $1,959 |
| DSCR Ratio | 1.16x |
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 1930
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55397, Young America, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,194 (100%) |
| Owner Occupied HU | 957 (80.2%) |
| Renter Occupied HU | 197 (16.5%) |
| Vacant Housing Units | 40 ( 3.4%) |
| Median Home Value | $354,644 |
| Average Home Value | $441,539 |
Housing Distribution
Address Breakdown
Residential
1,181
Single Family
1,073
Multi-Family
108
Businesses
20
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
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55397, Young America, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,194 (100%) |
| Owner Occupied HU | 957 (80.2%) |
| Renter Occupied HU | 197 (16.5%) |
| Vacant Housing Units | 40 ( 3.4%) |
| Median Home Value | $354,644 |
| Average Home Value | $441,539 |
Housing Distribution
Address Breakdown
Residential
1,181
Single Family
1,073
Multi-Family
108
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices