31146 Terra Vista LnSaint CloudMN56301
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play31146 Terra Vista Ln, Saint Cloud, MN, 56301 in Saint Cloud is priced for appreciation, not yield. Rental yield 4.74%. At $409,900 with a 4.74% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $113,248 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.88) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $95,024.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.2% |
| Monthly Cash Flow | $(941) | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,619 |
| Total Monthly Debt Service | $2,397 |
| DSCR Ratio | 0.68x |
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 2025
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56301, Saint Cloud, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,864 (100%) |
| Owner Occupied HU | 6,863 (49.5%) |
| Renter Occupied HU | 6,027 (43.5%) |
| Vacant Housing Units | 974 ( 7.0%) |
| Median Home Value | $341,513 |
| Average Home Value | $399,092 |
Housing Distribution
Address Breakdown
Residential
13,460
Single Family
8,425
Multi-Family
5,035
Businesses
1,236
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 2025
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56301, Saint Cloud, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,864 (100%) |
| Owner Occupied HU | 6,863 (49.5%) |
| Renter Occupied HU | 6,027 (43.5%) |
| Vacant Housing Units | 974 ( 7.0%) |
| Median Home Value | $341,513 |
| Average Home Value | $399,092 |
Housing Distribution
Address Breakdown
Residential
13,460
Single Family
8,425
Multi-Family
5,035
Businesses
1,236
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Denise Dehn • eXp Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6788452