2504 4th Ave NWAustinMN55912
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2504 4th Ave NW, Austin, MN, 55912 in Austin is capital appreciation. Rental yield 3.84%. The 3.84% gross yield at $488,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $134,825 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.71) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $89,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.2% |
| Monthly Cash Flow | $(1,487) | $350 |
City averages based on Austin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,560 |
| Total Monthly Debt Service | $2,853 |
| DSCR Ratio | 0.55x |
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 2004
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55912, Austin, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,710 (100%) |
| Owner Occupied HU | 8,151 (64.1%) |
| Renter Occupied HU | 3,642 (28.7%) |
| Vacant Housing Units | 917 ( 7.2%) |
| Median Home Value | $198,527 |
| Average Home Value | $258,502 |
Housing Distribution
Address Breakdown
Residential
12,261
Single Family
10,599
Multi-Family
1,662
Businesses
835
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 2004
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55912, Austin, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,710 (100%) |
| Owner Occupied HU | 8,151 (64.1%) |
| Renter Occupied HU | 3,642 (28.7%) |
| Vacant Housing Units | 917 ( 7.2%) |
| Median Home Value | $198,527 |
| Average Home Value | $258,502 |
Housing Distribution
Address Breakdown
Residential
12,261
Single Family
10,599
Multi-Family
1,662
Businesses
835
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices