344 25th Ave NSaint CloudMN56303
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 344 25th Ave N, Saint Cloud, MN, 56303 in Saint Cloud is narrow, $117/mo net on $1,522/mo rent after the $1,066/mo debt service, but the property operates at break-even-plus, not a loss. At $224,900 with a 8.12% yield, the long-run equity case via 5% appreciation ($62,136 over five years) and $1,885/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $88,704.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $117 | $850 |
City averages based on Saint Cloud 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 | $1,522 |
| Total Monthly Debt Service | $1,370 |
| DSCR Ratio | 1.11x |
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 1960
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56303, Saint Cloud, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,843 (100%) |
| Owner Occupied HU | 7,277 (56.7%) |
| Renter Occupied HU | 4,998 (38.9%) |
| Vacant Housing Units | 568 ( 4.4%) |
| Median Home Value | $267,591 |
| Average Home Value | $314,287 |
Housing Distribution
Address Breakdown
Residential
12,151
Single Family
8,900
Multi-Family
3,251
Businesses
536
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #7147105
