35055 E County Line RdHill CityMN55748
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 35055 E County Line Rd, Hill City, MN, 55748 in Hill City hard to pass up. The 11.13% gross yield on a $229,500 purchase results in $2,129/mo in rent and $696/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.06). Annual cash flow of $8,348, five-year appreciation of $63,407, and $2,114/yr in equity build-up combine for a projected total cumulative return of $131,906.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.5% |
| Monthly Cash Flow | $696 | $800 |
City averages based on Hill City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,129 |
| Total Monthly Debt Service | $1,342 |
| DSCR Ratio | 1.59x |
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 1997
2.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55748, Hill City, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 927 (100%) |
| Owner Occupied HU | 455 (49.1%) |
| Renter Occupied HU | 163 (17.6%) |
| Vacant Housing Units | 309 (33.3%) |
| Median Home Value | $264,623 |
| Average Home Value | $319,813 |
Housing Distribution
Address Breakdown
Residential
481
Single Family
435
Multi-Family
46
Businesses
41
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 1997
2.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55748, Hill City, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 927 (100%) |
| Owner Occupied HU | 455 (49.1%) |
| Renter Occupied HU | 163 (17.6%) |
| Vacant Housing Units | 309 (33.3%) |
| Median Home Value | $264,623 |
| Average Home Value | $319,813 |
Housing Distribution
Address Breakdown
Residential
481
Single Family
435
Multi-Family
46
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices