228 4th Ave NESaint CloudMN56304
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 228 4th Ave NE, Saint Cloud, MN, 56304 in Saint Cloud: $1,898/mo in rent, $525/mo net, 10.35% gross yield, all on a $220,000 acquisition. The 1.92 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $60,782 in value, and $2,026/yr in principal paydown steadily builds equity. Projected total cumulative return: $117,206.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $525 | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,898 |
| Total Monthly Debt Service | $1,286 |
| DSCR Ratio | 1.48x |
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 1939
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 1939
6,098 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Janet Matchinsky • Home Match Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6746063