232 4th StBlufftonMN56518
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 232 4th St, Bluffton, MN, 56518 in Bluffton. Priced at $239,900, it generates $2,050/mo in gross rent and $552/mo in net monthly cash flow, a 10.25% yield that comfortably supports the 1.90 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,618. Five-year appreciation: $66,280. Equity from principal paydown: $2,210/yr. Total projected cumulative return: $126,573.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 8.5% |
| Monthly Cash Flow | $552 | $450 |
City averages based on Bluffton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,050 |
| Total Monthly Debt Service | $1,403 |
| DSCR Ratio | 1.46x |
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 1981
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56518, Bluffton, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 194 (100%) |
| Owner Occupied HU | 152 (78.4%) |
| Renter Occupied HU | 22 (11.3%) |
| Vacant Housing Units | 20 (10.3%) |
| Median Home Value | $268,519 |
| Average Home Value | $279,967 |
Housing Distribution
Address Breakdown
Residential
107
Single Family
107
Multi-Family
0
Businesses
8
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 1981
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56518, Bluffton, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 194 (100%) |
| Owner Occupied HU | 152 (78.4%) |
| Renter Occupied HU | 22 (11.3%) |
| Vacant Housing Units | 20 (10.3%) |
| Median Home Value | $268,519 |
| Average Home Value | $279,967 |
Housing Distribution
Address Breakdown
Residential
107
Single Family
107
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices