324 Front St WSaint ClairMN56080
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 324 Front St W, Saint Clair, MN, 56080 in Saint Clair: $1,721/mo in rent, $296/mo in net income, 9.18% gross yield, 1.70 DSCR, all at $225,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $62,163 in appreciation and $2,072/yr in principal paydown projects total cumulative return of $104,532.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $296 | $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 | $1,721 |
| Total Monthly Debt Service | $1,336 |
| DSCR Ratio | 1.29x |
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 1955
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56080, Saint Clair, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 200 (100%) |
| Owner Occupied HU | 178 (89.0%) |
| Renter Occupied HU | 18 ( 9.0%) |
| Vacant Housing Units | 4 ( 2.0%) |
| Median Home Value | $327,869 |
| Average Home Value | $347,233 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
20
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 1955
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56080, Saint Clair, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 200 (100%) |
| Owner Occupied HU | 178 (89.0%) |
| Renter Occupied HU | 18 ( 9.0%) |
| Vacant Housing Units | 4 ( 2.0%) |
| Median Home Value | $327,869 |
| Average Home Value | $347,233 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carrie Zeldenrust • Realty Executives Associates
Mls Name: RASM
Mls Provider:
Mls ID: #7036899
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2025, REALTOR Association of Southern MN. All Rights Reserved. Last Updated: 2025-03-17 10:19:35 PDT