221 4th Ave SESaint CloudMN56304
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors approaching the U.S. market with capital-preservation in mind will find 221 4th Ave SE, Saint Cloud, MN, 56304 in Saint Cloud aligned with their strategy. Rental yield 7.2%. DSCR 1.34 and 7.2% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $1,565/yr in paydown build toward a projected cumulative return of $61,851.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(41) | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $993 |
| DSCR Ratio | 1.03x |
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 1900
7,260 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 1900
7,260 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7033692