3112 54th Ave SESaint CloudMN56304
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Saint Cloud rentals match the income profile of 3112 54th Ave SE, Saint Cloud, MN, 56304. Listed at $300,000, gross rent is $2,561/mo and net cash flow is $687/mo, a 10.24% yield well above national averages. DSCR 1.90 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $82,884 by year five with $2,763/yr in annual principal reduction, projecting $158,068 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.2% |
| Monthly Cash Flow | $687 | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,561 |
| Total Monthly Debt Service | $1,754 |
| DSCR Ratio | 1.46x |
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 1975
5 Acres lot
$N/A/sqft
No HOA
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 1975
5 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christopher Goering • Shrewd Real Estate
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6785126