32745 County Highway 37PonsfordMN56575
INVESTMENT ANALYSIS
Investment Verdict
Solid Income32745 County Highway 37, Ponsford, MN, 56575 in Ponsford is a solid income-producing rental, 8.6% gross yield, $3,004/mo rent, $387/mo net cash flow on a $419,000 buy. DSCR 1.59 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $115,762 and $3,859/yr in principal reduction project a total cumulative return of $183,957.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $387 | $600 |
City averages based on Ponsford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,004 |
| Total Monthly Debt Service | $2,450 |
| DSCR Ratio | 1.23x |
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 1978
10.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56575, Ponsford, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 596 (100%) |
| Owner Occupied HU | 246 (41.3%) |
| Renter Occupied HU | 80 (13.4%) |
| Vacant Housing Units | 270 (45.3%) |
| Median Home Value | $309,375 |
| Average Home Value | $352,774 |
Housing Distribution
Address Breakdown
Residential
220
Single Family
220
Multi-Family
0
Businesses
11
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 1978
10.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56575, Ponsford, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 596 (100%) |
| Owner Occupied HU | 246 (41.3%) |
| Renter Occupied HU | 80 (13.4%) |
| Vacant Housing Units | 270 (45.3%) |
| Median Home Value | $309,375 |
| Average Home Value | $352,774 |
Housing Distribution
Address Breakdown
Residential
220
Single Family
220
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices