40 31st Ave NSAINT CLOUDMN56303
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 40 31st Ave N, SAINT CLOUD, MN, 56303 in SAINT CLOUD speaks for itself: 14.14% gross on a $140,000 price, generating $1,650/mo in rent and $776/mo in net income after the $630/mo debt service. DSCR 2.62, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,309 stacks alongside $38,679 in projected five-year appreciation and $1,289/yr in principal reduction. Projected total cumulative return: $103,008.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.1% | 6.2% |
| Monthly Cash Flow | $776 | $850 |
City averages based on SAINT CLOUD market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,650 |
| Total Monthly Debt Service | $819 |
| DSCR Ratio | 2.02x |
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 1952
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56303, Saint Cloud, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,843 (100%) |
| Owner Occupied HU | 7,277 (56.7%) |
| Renter Occupied HU | 4,998 (38.9%) |
| Vacant Housing Units | 568 ( 4.4%) |
| Median Home Value | $267,591 |
| Average Home Value | $314,287 |
Housing Distribution
Address Breakdown
Residential
12,151
Single Family
8,900
Multi-Family
3,251
Businesses
536
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 1952
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56303, Saint Cloud, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,843 (100%) |
| Owner Occupied HU | 7,277 (56.7%) |
| Renter Occupied HU | 4,998 (38.9%) |
| Vacant Housing Units | 568 ( 4.4%) |
| Median Home Value | $267,591 |
| Average Home Value | $314,287 |
Housing Distribution
Address Breakdown
Residential
12,151
Single Family
8,900
Multi-Family
3,251
Businesses
536
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christina Peterson • eXp Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6777646