257 E Wabasha StWinonaMN55987
INVESTMENT ANALYSIS
Investment Verdict
Solid Income257 E Wabasha St, Winona, MN, 55987 in Winona is a solid income-producing rental, 9.07% gross yield, $1,928/mo rent, $336/mo net cash flow on a $255,000 buy. DSCR 1.68 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $70,452 and $2,349/yr in principal reduction project a total cumulative return of $118,331.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $336 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,928 |
| Total Monthly Debt Service | $1,491 |
| DSCR Ratio | 1.29x |
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 1874
3,615 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55987, Winona, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,269 (100%) |
| Owner Occupied HU | 8,760 (57.4%) |
| Renter Occupied HU | 5,359 (35.1%) |
| Vacant Housing Units | 1,150 ( 7.5%) |
| Median Home Value | $241,559 |
| Average Home Value | $307,143 |
Housing Distribution
Address Breakdown
Residential
14,958
Single Family
12,133
Multi-Family
2,825
Businesses
1,232
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 1874
3,615 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55987, Winona, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,269 (100%) |
| Owner Occupied HU | 8,760 (57.4%) |
| Renter Occupied HU | 5,359 (35.1%) |
| Vacant Housing Units | 1,150 ( 7.5%) |
| Median Home Value | $241,559 |
| Average Home Value | $307,143 |
Housing Distribution
Address Breakdown
Residential
14,958
Single Family
12,133
Multi-Family
2,825
Businesses
1,232
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices