320A 2nd St NEBerthaMN56437
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 320A 2nd St NE, Bertha, MN, 56437 in Bertha: $1,570/mo in rent, $477/mo in net income, 10.76% gross yield, 1.99 DSCR, all at $175,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $48,349 in appreciation and $1,612/yr in principal paydown projects total cumulative return of $97,125.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 7.2% |
| Monthly Cash Flow | $477 | $450 |
City averages based on Bertha market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,570 |
| Total Monthly Debt Service | $1,023 |
| DSCR Ratio | 1.53x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2005
5,662 sqft lot
$N/A/sqft
No HOA
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 2005
5,662 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices