31710 Madison RdLindstromMN55045
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 31710 Madison Rd, Lindstrom, MN, 55045 in Lindstrom worth study. Rental yield 3.61%. The 3.61% gross yield is below cash-flow benchmarks at $459,000, but 5% annual appreciation, adding $126,813 over five years, frames this as a capital growth position. Rent of $1,380/mo partially offsets the $2,064/mo payment. Ziffy Mortgage finances appreciation-play properties (0.67 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $78,544.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 7.0% |
| Monthly Cash Flow | $(1,486) | $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 | $2,684 |
| DSCR Ratio | 0.51x |
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 2024
9,147 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 2024
9,147 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