405 5th AveWilmontMN56185
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow405 5th Ave, Wilmont, MN, 56185 in Wilmont is a top-tier cash-flow asset. At $140,600 it produces $2,392/mo in rent and $1,510/mo in net monthly income, a 20.41% gross rental yield. The DSCR of 3.78 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $18,116. Five-year appreciation adds $38,845, driving a total cumulative return of $150,593.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 20.4% | 6.2% |
| Monthly Cash Flow | $1,510 | $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 | $2,392 |
| Total Monthly Debt Service | $826 |
| DSCR Ratio | 2.90x |
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 1902
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56185, Wilmont, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 252 (100%) |
| Owner Occupied HU | 204 (81.0%) |
| Renter Occupied HU | 40 (15.9%) |
| Vacant Housing Units | 8 ( 3.2%) |
| Median Home Value | $265,217 |
| Average Home Value | $341,299 |
Housing Distribution
Address Breakdown
Residential
167
Single Family
167
Multi-Family
0
Businesses
15
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 1902
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56185, Wilmont, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 252 (100%) |
| Owner Occupied HU | 204 (81.0%) |
| Renter Occupied HU | 40 (15.9%) |
| Vacant Housing Units | 8 ( 3.2%) |
| Median Home Value | $265,217 |
| Average Home Value | $341,299 |
Housing Distribution
Address Breakdown
Residential
167
Single Family
167
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices