3325 440th StHarrisMN55032
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderRental yield 7.45%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $96,422, and $2,926/yr in principal equity projects total return of $125,098.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.1% |
| Monthly Cash Flow | $(12) | $250 |
City averages based on Harris market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,167 |
| Total Monthly Debt Service | $2,126 |
| DSCR Ratio | 1.02x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1958
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55032, Harris, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,502 (100%) |
| Owner Occupied HU | 1,265 (84.2%) |
| Renter Occupied HU | 97 ( 6.5%) |
| Vacant Housing Units | 140 ( 9.3%) |
| Median Home Value | $368,854 |
| Average Home Value | $391,358 |
Housing Distribution
Address Breakdown
Residential
1,359
Single Family
1,342
Multi-Family
17
Businesses
66
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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
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Nearby investment properties with comparable prices
