253 Linden Ave NEHill CityMN55748
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Hill City rentals match the income profile of 253 Linden Ave NE, Hill City, MN, 55748. Listed at $280,000, gross rent is $4,398/mo and net cash flow is $2,650/mo, a 18.85% yield well above national averages. DSCR 3.49 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $77,359 by year five with $2,579/yr in annual principal reduction, projecting $276,733 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.9% | 6.5% |
| Monthly Cash Flow | $2,650 | $800 |
City averages based on Hill City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,398 |
| Total Monthly Debt Service | $1,637 |
| DSCR Ratio | 2.69x |
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 1918
1.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55748, Hill City, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 927 (100%) |
| Owner Occupied HU | 455 (49.1%) |
| Renter Occupied HU | 163 (17.6%) |
| Vacant Housing Units | 309 (33.3%) |
| Median Home Value | $264,623 |
| Average Home Value | $319,813 |
Housing Distribution
Address Breakdown
Residential
481
Single Family
435
Multi-Family
46
Businesses
41
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 1918
1.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55748, Hill City, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 927 (100%) |
| Owner Occupied HU | 455 (49.1%) |
| Renter Occupied HU | 163 (17.6%) |
| Vacant Housing Units | 309 (33.3%) |
| Median Home Value | $264,623 |
| Average Home Value | $319,813 |
Housing Distribution
Address Breakdown
Residential
481
Single Family
435
Multi-Family
46
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices