306 North GWINN STREETLoyalWI54446
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 306 North GWINN STREET, Loyal, WI, 54446 in Loyal achieves 1.50, rent of $2,028/mo covers the $1,349/mo payment 1.5x over at $300,000. Rental yield 8.11%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $82,884 over five years, with $2,763/yr in principal reduction bringing total projected return to $110,800.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(62) | $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 | $2,028 |
| Total Monthly Debt Service | $1,970 |
| DSCR Ratio | 1.03x |
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 1994
1.99 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54446, Loyal, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,225 (100%) |
| Owner Occupied HU | 887 (72.4%) |
| Renter Occupied HU | 212 (17.3%) |
| Vacant Housing Units | 126 (10.3%) |
| Median Home Value | $178,697 |
| Average Home Value | $237,599 |
Housing Distribution
Address Breakdown
Residential
1,086
Single Family
1,064
Multi-Family
22
Businesses
62
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 1994
1.99 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54446, Loyal, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,225 (100%) |
| Owner Occupied HU | 887 (72.4%) |
| Renter Occupied HU | 212 (17.3%) |
| Vacant Housing Units | 126 (10.3%) |
| Median Home Value | $178,697 |
| Average Home Value | $237,599 |
Housing Distribution
Address Breakdown
Residential
1,086
Single Family
1,064
Multi-Family
22
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
