245851 Berlin LnMerrillWI54452
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 245851 Berlin Ln, Merrill, WI, 54452 in Merrill the bet is firmly on appreciation. Rental yield 2.88%. The 2.88% gross yield on a $1,000,000 price is below income-first thresholds, but 5%/yr value growth projects $276,282 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.51) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $85,471.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.2% |
| Monthly Cash Flow | $(4,308) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $2,404 |
| Total Monthly Debt Service | $6,557 |
| DSCR Ratio | 0.37x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1961
120 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54452, Merrill, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,940 (100%) |
| Owner Occupied HU | 6,031 (67.5%) |
| Renter Occupied HU | 2,145 (24.0%) |
| Vacant Housing Units | 764 ( 8.5%) |
| Median Home Value | $208,241 |
| Average Home Value | $249,639 |
Housing Distribution
Address Breakdown
Residential
8,454
Single Family
7,841
Multi-Family
613
Businesses
572
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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
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