31700 Madison RdLindstromMN55045
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play31700 Madison Rd, Lindstrom, MN, 55045 in Lindstrom is priced for appreciation, not yield. Rental yield 3.15%. At $525,000 with a 3.15% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $145,048 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.58) 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: $77,056.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 7.0% |
| Monthly Cash Flow | $(2,038) | $1,100 |
City averages based on Lindstrom market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,380 |
| Total Monthly Debt Service | $3,069 |
| DSCR Ratio | 0.45x |
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 2026
9,060 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55045, Lindstrom, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,440 (100%) |
| Owner Occupied HU | 2,833 (82.4%) |
| Renter Occupied HU | 337 ( 9.8%) |
| Vacant Housing Units | 270 ( 7.8%) |
| Median Home Value | $417,912 |
| Average Home Value | $472,834 |
Housing Distribution
Address Breakdown
Residential
3,241
Single Family
2,757
Multi-Family
484
Businesses
196
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 2026
9,060 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55045, Lindstrom, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,440 (100%) |
| Owner Occupied HU | 2,833 (82.4%) |
| Renter Occupied HU | 337 ( 9.8%) |
| Vacant Housing Units | 270 ( 7.8%) |
| Median Home Value | $417,912 |
| Average Home Value | $472,834 |
Housing Distribution
Address Breakdown
Residential
3,241
Single Family
2,757
Multi-Family
484
Businesses
196
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices