2509 320th StCushingMN56443
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.04% gross rental yield, 2509 320th St, Cushing, MN, 56443 in Cushing is priced for capital growth, not immediate cash flow. The $989,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $273,242 by year five, with $9,109/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.38) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $85,962.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 5.5% |
| Monthly Cash Flow | $(4,496) | $850 |
City averages based on Cushing market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,680 |
| Total Monthly Debt Service | $5,782 |
| DSCR Ratio | 0.29x |
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 1971
1.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56443, Cushing, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,605 (100%) |
| Owner Occupied HU | 678 (42.2%) |
| Renter Occupied HU | 80 ( 5.0%) |
| Vacant Housing Units | 847 (52.8%) |
| Median Home Value | $367,143 |
| Average Home Value | $416,073 |
Housing Distribution
Address Breakdown
Residential
955
Single Family
955
Multi-Family
0
Businesses
25
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 1971
1.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56443, Cushing, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,605 (100%) |
| Owner Occupied HU | 678 (42.2%) |
| Renter Occupied HU | 80 ( 5.0%) |
| Vacant Housing Units | 847 (52.8%) |
| Median Home Value | $367,143 |
| Average Home Value | $416,073 |
Housing Distribution
Address Breakdown
Residential
955
Single Family
955
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices