411 Oak Ave SEMontgomeryMN56069
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Montgomery rentals match the income profile of 411 Oak Ave SE, Montgomery, MN, 56069. Listed at $180,000, gross rent is $1,794/mo and net cash flow is $670/mo, a 11.96% yield well above national averages. DSCR 2.22 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $49,731 by year five with $1,658/yr in annual principal reduction, projecting $111,439 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.0% |
| Monthly Cash Flow | $670 | $350 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,794 |
| Total Monthly Debt Service | $1,052 |
| DSCR Ratio | 1.70x |
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 1900
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56069, Montgomery, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,200 (100%) |
| Owner Occupied HU | 1,638 (74.5%) |
| Renter Occupied HU | 419 (19.0%) |
| Vacant Housing Units | 143 ( 6.5%) |
| Median Home Value | $347,687 |
| Average Home Value | $457,990 |
Housing Distribution
Address Breakdown
Residential
2,100
Single Family
1,997
Multi-Family
103
Businesses
140
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 1900
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56069, Montgomery, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,200 (100%) |
| Owner Occupied HU | 1,638 (74.5%) |
| Renter Occupied HU | 419 (19.0%) |
| Vacant Housing Units | 143 ( 6.5%) |
| Median Home Value | $347,687 |
| Average Home Value | $457,990 |
Housing Distribution
Address Breakdown
Residential
2,100
Single Family
1,997
Multi-Family
103
Businesses
140
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7032037