301 8th Ave NERoseauMN56751
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 301 8th Ave NE, Roseau, MN, 56751 in Roseau is narrow, $23/mo net on $1,020/mo rent after the $718/mo debt service, but the property operates at break-even-plus, not a loss. At $159,600 with a 7.67% yield, the long-run equity case via 5% appreciation ($44,095 over five years) and $1,470/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $62,068.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.5% |
| Monthly Cash Flow | $23 | $350 |
City averages based on Roseau market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $933 |
| DSCR Ratio | 1.09x |
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 1985
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56751, Roseau, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,580 (100%) |
| Owner Occupied HU | 1,755 (68.0%) |
| Renter Occupied HU | 563 (21.8%) |
| Vacant Housing Units | 262 (10.2%) |
| Median Home Value | $214,746 |
| Average Home Value | $243,225 |
Housing Distribution
Address Breakdown
Residential
2,407
Single Family
1,981
Multi-Family
426
Businesses
288
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 1985
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56751, Roseau, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,580 (100%) |
| Owner Occupied HU | 1,755 (68.0%) |
| Renter Occupied HU | 563 (21.8%) |
| Vacant Housing Units | 262 (10.2%) |
| Median Home Value | $214,746 |
| Average Home Value | $243,225 |
Housing Distribution
Address Breakdown
Residential
2,407
Single Family
1,981
Multi-Family
426
Businesses
288
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices