220 Country Club DrLewistonMN55952
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play220 Country Club Dr, Lewiston, MN, 55952 in Lewiston is priced for appreciation, not yield. Rental yield 1.98%. At $400,000 with a 1.98% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $110,513 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.37) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $33,550.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 6.2% |
| Monthly Cash Flow | $(1,837) | $450 |
City averages based on Lewiston 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 | $661 |
| Total Monthly Debt Service | $2,339 |
| DSCR Ratio | 0.28x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1974
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55952, Lewiston, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 954 (100%) |
| Owner Occupied HU | 705 (73.9%) |
| Renter Occupied HU | 204 (21.4%) |
| Vacant Housing Units | 45 ( 4.7%) |
| Median Home Value | $328,750 |
| Average Home Value | $430,897 |
Housing Distribution
Address Breakdown
Residential
848
Single Family
764
Multi-Family
84
Businesses
66
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 1974
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55952, Lewiston, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 954 (100%) |
| Owner Occupied HU | 705 (73.9%) |
| Renter Occupied HU | 204 (21.4%) |
| Vacant Housing Units | 45 ( 4.7%) |
| Median Home Value | $328,750 |
| Average Home Value | $430,897 |
Housing Distribution
Address Breakdown
Residential
848
Single Family
764
Multi-Family
84
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices