352 2nd StGaylordMN55334
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 352 2nd St, Gaylord, MN, 55334 in Gaylord. At $199,900 it earns $1,596/mo in rent and distributes $348/mo to the owner after the $899/mo payment, a consistent 9.58% yield. DSCR 1.78 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $55,229 in value; $1,841/yr in principal paydown compounds ownership stake. Total projected return: $98,270.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.0% |
| Monthly Cash Flow | $348 | $350 |
City averages based on Gaylord market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,596 |
| Total Monthly Debt Service | $1,169 |
| DSCR Ratio | 1.37x |
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 1915
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55334, Gaylord, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,261 (100%) |
| Owner Occupied HU | 817 (64.8%) |
| Renter Occupied HU | 357 (28.3%) |
| Vacant Housing Units | 87 ( 6.9%) |
| Median Home Value | $213,916 |
| Average Home Value | $253,807 |
Housing Distribution
Address Breakdown
Residential
782
Single Family
543
Multi-Family
239
Businesses
123
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 1915
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55334, Gaylord, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,261 (100%) |
| Owner Occupied HU | 817 (64.8%) |
| Renter Occupied HU | 357 (28.3%) |
| Vacant Housing Units | 87 ( 6.9%) |
| Median Home Value | $213,916 |
| Average Home Value | $253,807 |
Housing Distribution
Address Breakdown
Residential
782
Single Family
543
Multi-Family
239
Businesses
123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices