291 Mill LaneOsceolaWI54020
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 291 Mill Lane, Osceola, WI, 54020 in Osceola is narrow, $16/mo net on $1,996/mo rent after the $1,326/mo debt service, but the property operates at break-even-plus, not a loss. At $294,900 with a 8.12% yield, the long-run equity case via 5% appreciation ($81,475 over five years) and $2,716/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $113,613.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $16 | $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 | $1,996 |
| Total Monthly Debt Service | $1,862 |
| DSCR Ratio | 1.07x |
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 2023
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54020, Osceola, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,402 (100%) |
| Owner Occupied HU | 2,435 (71.6%) |
| Renter Occupied HU | 705 (20.7%) |
| Vacant Housing Units | 262 ( 7.7%) |
| Median Home Value | $339,905 |
| Average Home Value | $389,274 |
Housing Distribution
Address Breakdown
Residential
3,227
Single Family
2,801
Multi-Family
426
Businesses
228
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 2023
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54020, Osceola, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,402 (100%) |
| Owner Occupied HU | 2,435 (71.6%) |
| Renter Occupied HU | 705 (20.7%) |
| Vacant Housing Units | 262 ( 7.7%) |
| Median Home Value | $339,905 |
| Average Home Value | $389,274 |
Housing Distribution
Address Breakdown
Residential
3,227
Single Family
2,801
Multi-Family
426
Businesses
228
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Candi Mueller • RE/MAX Synergy/Osceola
Mls Name: WIREX MLS
Mls Provider:
Mls ID: #1575504
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.