2648 27th StreetRice LakeWI54868
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2648 27th Street, Rice Lake, WI, 54868 in Rice Lake is capital appreciation. Rental yield 4.43%. The 4.43% gross yield at $325,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $89,792 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.82) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $60,870.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.2% |
| Monthly Cash Flow | $(981) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $2,052 |
| DSCR Ratio | 0.58x |
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 1969
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54868, Rice Lake, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,937 (100%) |
| Owner Occupied HU | 4,889 (61.6%) |
| Renter Occupied HU | 2,225 (28.0%) |
| Vacant Housing Units | 823 (10.4%) |
| Median Home Value | $248,556 |
| Average Home Value | $301,125 |
Housing Distribution
Address Breakdown
Residential
7,298
Single Family
6,430
Multi-Family
868
Businesses
744
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 1969
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54868, Rice Lake, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,937 (100%) |
| Owner Occupied HU | 4,889 (61.6%) |
| Renter Occupied HU | 2,225 (28.0%) |
| Vacant Housing Units | 823 (10.4%) |
| Median Home Value | $248,556 |
| Average Home Value | $301,125 |
Housing Distribution
Address Breakdown
Residential
7,298
Single Family
6,430
Multi-Family
868
Businesses
744
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices