256 Cottage AVENUEFond Du LacWI54935
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 256 Cottage AVENUE, Fond Du Lac, WI, 54935 in Fond Du Lac is narrow, $104/mo net on $2,282/mo rent after the $1,459/mo debt service, but the property operates at break-even-plus, not a loss. At $324,500 with a 8.44% yield, the long-run equity case via 5% appreciation ($89,653 over five years) and $2,989/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.56 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $130,533.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.8% |
| Monthly Cash Flow | $104 | $420 |
City averages based on Fond Du Lac market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,282 |
| Total Monthly Debt Service | $2,049 |
| DSCR Ratio | 1.11x |
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 1952
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54935, Fond Du Lac, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,579 (100%) |
| Owner Occupied HU | 11,099 (56.7%) |
| Renter Occupied HU | 7,418 (37.9%) |
| Vacant Housing Units | 1,062 ( 5.4%) |
| Median Home Value | $205,150 |
| Average Home Value | $245,383 |
Housing Distribution
Address Breakdown
Residential
18,557
Single Family
15,135
Multi-Family
3,422
Businesses
1,123
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 1952
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54935, Fond Du Lac, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,579 (100%) |
| Owner Occupied HU | 11,099 (56.7%) |
| Renter Occupied HU | 7,418 (37.9%) |
| Vacant Housing Units | 1,062 ( 5.4%) |
| Median Home Value | $205,150 |
| Average Home Value | $245,383 |
Housing Distribution
Address Breakdown
Residential
18,557
Single Family
15,135
Multi-Family
3,422
Businesses
1,123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: WIREX MLS
Mls ID: #1953388