401 Whispering LnHastingsMN55033
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Hastings rentals match the income profile of 401 Whispering Ln, Hastings, MN, 55033. Listed at $213,500, gross rent is $2,234/mo and net cash flow is $901/mo, a 12.56% yield well above national averages. DSCR 2.33 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $58,986 by year five with $1,966/yr in annual principal reduction, projecting $138,988 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 5.5% |
| Monthly Cash Flow | $901 | $350 |
City averages based on Hastings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,234 |
| Total Monthly Debt Service | $1,248 |
| DSCR Ratio | 1.79x |
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.
Townhouse
Built in 1980
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55033, Hastings, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,556 (100%) |
| Owner Occupied HU | 9,207 (73.3%) |
| Renter Occupied HU | 2,909 (23.2%) |
| Vacant Housing Units | 440 ( 3.5%) |
| Median Home Value | $394,727 |
| Average Home Value | $426,836 |
Housing Distribution
Address Breakdown
Residential
12,286
Single Family
10,526
Multi-Family
1,760
Businesses
682
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
Townhouse
Built in 1980
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55033, Hastings, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,556 (100%) |
| Owner Occupied HU | 9,207 (73.3%) |
| Renter Occupied HU | 2,909 (23.2%) |
| Vacant Housing Units | 440 ( 3.5%) |
| Median Home Value | $394,727 |
| Average Home Value | $426,836 |
Housing Distribution
Address Breakdown
Residential
12,286
Single Family
10,526
Multi-Family
1,760
Businesses
682
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices