361 Mill StOsceolaWI54020
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 361 Mill St, Osceola, WI, 54020 in Osceola earns a 9.6% gross yield at $348,000. Rent of $2,783/mo nets $447/mo after the $1,565/mo mortgage. The 1.78 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $96,146 and $3,205/yr in equity accumulation project a total cumulative return of $161,542.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $447 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,783 |
| Total Monthly Debt Service | $2,197 |
| DSCR Ratio | 1.27x |
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 2018
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54020, Osceola, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,402 (100%) |
| Owner Occupied HU | 2,435 (71.6%) |
| Renter Occupied HU | 705 (20.7%) |
| Vacant Housing Units | 262 ( 7.7%) |
| Median Home Value | $339,905 |
| Average Home Value | $389,274 |
Housing Distribution
Address Breakdown
Residential
3,227
Single Family
2,801
Multi-Family
426
Businesses
228
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 2018
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54020, Osceola, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,402 (100%) |
| Owner Occupied HU | 2,435 (71.6%) |
| Renter Occupied HU | 705 (20.7%) |
| Vacant Housing Units | 262 ( 7.7%) |
| Median Home Value | $339,905 |
| Average Home Value | $389,274 |
Housing Distribution
Address Breakdown
Residential
3,227
Single Family
2,801
Multi-Family
426
Businesses
228
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices