34914 Linden AveLindstromMN55045
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 34914 Linden Ave, Lindstrom, MN, 55045 in Lindstrom at $499,900 earns $3,240/mo in rent and nets $118/mo after the $2,248/mo payment, a 7.78% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $138,113 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $4,604/yr in principal paydown, total projected return reaches $197,322.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.0% |
| Monthly Cash Flow | $118 | $1,100 |
City averages based on Lindstrom market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,240 |
| Total Monthly Debt Service | $2,923 |
| 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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1988
5.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55045, Lindstrom, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,440 (100%) |
| Owner Occupied HU | 2,833 (82.4%) |
| Renter Occupied HU | 337 ( 9.8%) |
| Vacant Housing Units | 270 ( 7.8%) |
| Median Home Value | $417,912 |
| Average Home Value | $472,834 |
Housing Distribution
Address Breakdown
Residential
3,241
Single Family
2,757
Multi-Family
484
Businesses
196
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 1988
5.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55045, Lindstrom, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,440 (100%) |
| Owner Occupied HU | 2,833 (82.4%) |
| Renter Occupied HU | 337 ( 9.8%) |
| Vacant Housing Units | 270 ( 7.8%) |
| Median Home Value | $417,912 |
| Average Home Value | $472,834 |
Housing Distribution
Address Breakdown
Residential
3,241
Single Family
2,757
Multi-Family
484
Businesses
196
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices