312 West Cedar Valley ROADStoddardWI54658
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play312 West Cedar Valley ROAD, Stoddard, WI, 54658 in Stoddard is priced for appreciation, not yield. Rental yield 1.84%. At $234,900 with a 1.84% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $64,899 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.34) 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: $11,387.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.8% | 6.2% |
| Monthly Cash Flow | $(1,216) | $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 | $360 |
| Total Monthly Debt Service | $1,483 |
| DSCR Ratio | 0.24x |
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 1976
4.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54658, Stoddard, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,181 (100%) |
| Owner Occupied HU | 898 (76.0%) |
| Renter Occupied HU | 162 (13.7%) |
| Vacant Housing Units | 121 (10.2%) |
| Median Home Value | $299,180 |
| Average Home Value | $350,262 |
Housing Distribution
Address Breakdown
Residential
999
Single Family
950
Multi-Family
49
Businesses
38
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 1976
4.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54658, Stoddard, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,181 (100%) |
| Owner Occupied HU | 898 (76.0%) |
| Renter Occupied HU | 162 (13.7%) |
| Vacant Housing Units | 121 (10.2%) |
| Median Home Value | $299,180 |
| Average Home Value | $350,262 |
Housing Distribution
Address Breakdown
Residential
999
Single Family
950
Multi-Family
49
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
