22 4th Ave NWSaint JosephMN56374
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow22 4th Ave NW, Saint Joseph, MN, 56374 in Saint Joseph earns its strong cash-flow label: 12% yield, $2,650/mo rent, $995/mo net income, DSCR 2.22. The $265,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $73,215 by year five. Combined with $2,441/yr in principal paydown, total projected return reaches $164,611.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.2% |
| Monthly Cash Flow | $995 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,650 |
| Total Monthly Debt Service | $1,549 |
| DSCR Ratio | 1.71x |
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 1973
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56374, Saint Joseph, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,771 (100%) |
| Owner Occupied HU | 2,799 (74.2%) |
| Renter Occupied HU | 707 (18.7%) |
| Vacant Housing Units | 265 ( 7.0%) |
| Median Home Value | $378,368 |
| Average Home Value | $446,848 |
Housing Distribution
Address Breakdown
Residential
3,355
Single Family
2,988
Multi-Family
367
Businesses
221
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 1973
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56374, Saint Joseph, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,771 (100%) |
| Owner Occupied HU | 2,799 (74.2%) |
| Renter Occupied HU | 707 (18.7%) |
| Vacant Housing Units | 265 ( 7.0%) |
| Median Home Value | $378,368 |
| Average Home Value | $446,848 |
Housing Distribution
Address Breakdown
Residential
3,355
Single Family
2,988
Multi-Family
367
Businesses
221
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices