220 4th Ave NESaint CloudMN56304
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 220 4th Ave NE, Saint Cloud, MN, 56304 in Saint Cloud earns a 9.56% gross yield at $299,000. Rent of $2,381/mo nets $514/mo after the $1,344/mo mortgage. The 1.77 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $82,608 and $2,754/yr in equity accumulation project a total cumulative return of $146,580.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $514 | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,381 |
| Total Monthly Debt Service | $1,748 |
| DSCR Ratio | 1.36x |
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 1920
6,098 sqft lot
$N/A/sqft
No HOA
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 1920
6,098 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: George Moore • Premier Real Estate Services
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6813894