315 Quadna Mountain RdHill CityMN55748
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 315 Quadna Mountain Rd, Hill City, MN, 55748 in Hill City at $138,000 earns $1,322/mo in rent and nets $135/mo after the $654/mo payment, a 11.5% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $38,127 over five years. Ziffy Mortgage underwrites this on a 2.02 DSCR without U.S. credit history. With $1,157/yr in principal paydown, total projected return reaches $79,408.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.5% |
| Monthly Cash Flow | $135 | $800 |
City averages based on Hill City market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,322 |
| Total Monthly Debt Service | $840 |
| DSCR Ratio | 1.57x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1974
914.76 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55748, Hill City, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 927 (100%) |
| Owner Occupied HU | 455 (49.1%) |
| Renter Occupied HU | 163 (17.6%) |
| Vacant Housing Units | 309 (33.3%) |
| Median Home Value | $264,623 |
| Average Home Value | $319,813 |
Housing Distribution
Address Breakdown
Residential
481
Single Family
435
Multi-Family
46
Businesses
41
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
