36977 150th Ave SWFertileMN56540
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 36977 150th Ave SW, Fertile, MN, 56540 in Fertile is narrow, $76/mo net on $1,418/mo rent after the $966/mo debt service, but the property operates at break-even-plus, not a loss. At $214,900 with a 7.92% yield, the long-run equity case via 5% appreciation ($59,373 over five years) and $1,979/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $86,456.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.0% |
| Monthly Cash Flow | $76 | $500 |
City averages based on Fertile market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,418 |
| Total Monthly Debt Service | $1,256 |
| DSCR Ratio | 1.13x |
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 1980
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56540, Fertile, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 871 (100%) |
| Owner Occupied HU | 613 (70.4%) |
| Renter Occupied HU | 137 (15.7%) |
| Vacant Housing Units | 121 (13.9%) |
| Median Home Value | $247,951 |
| Average Home Value | $263,740 |
Housing Distribution
Address Breakdown
Residential
800
Single Family
721
Multi-Family
79
Businesses
60
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 1980
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56540, Fertile, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 871 (100%) |
| Owner Occupied HU | 613 (70.4%) |
| Renter Occupied HU | 137 (15.7%) |
| Vacant Housing Units | 121 (13.9%) |
| Median Home Value | $247,951 |
| Average Home Value | $263,740 |
Housing Distribution
Address Breakdown
Residential
800
Single Family
721
Multi-Family
79
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andrea Ness • LeBlanc Realty
Mls Name: GFBMLS
Mls Provider:
Mls ID: #25-943
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.