331 Grove StStewartMN55385
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 331 Grove St, Stewart, MN, 55385 in Stewart at $110,000 earns $870/mo in rent and nets $183/mo after the $495/mo payment, a 9.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,391 over five years. Ziffy Mortgage underwrites this on a 1.76 DSCR without U.S. credit history. With $1,013/yr in principal paydown, total projected return reaches $53,521.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $183 | $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 | $870 |
| Total Monthly Debt Service | $643 |
| DSCR Ratio | 1.35x |
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 1905
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55385, Stewart, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 545 (100%) |
| Owner Occupied HU | 439 (80.6%) |
| Renter Occupied HU | 59 (10.8%) |
| Vacant Housing Units | 47 ( 8.6%) |
| Median Home Value | $316,972 |
| Average Home Value | $343,178 |
Housing Distribution
Address Breakdown
Residential
437
Single Family
437
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 1905
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55385, Stewart, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 545 (100%) |
| Owner Occupied HU | 439 (80.6%) |
| Renter Occupied HU | 59 (10.8%) |
| Vacant Housing Units | 47 ( 8.6%) |
| Median Home Value | $316,972 |
| Average Home Value | $343,178 |
Housing Distribution
Address Breakdown
Residential
437
Single Family
437
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices