421 N Birch StRoyaltonMN56373
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 421 N Birch St, Royalton, MN, 56373 in Royalton speaks for itself: 10.07% gross on a $289,900 price, generating $2,432/mo in rent and $622/mo in net income after the $1,374/mo debt service. DSCR 1.77, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,465 stacks alongside $80,094 in projected five-year appreciation and $2,430/yr in principal reduction. Projected total cumulative return: $144,577.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.8% |
| Monthly Cash Flow | $622 | $350 |
City averages based on Royalton market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,432 |
| Total Monthly Debt Service | $1,766 |
| DSCR Ratio | 1.38x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1973
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56373, Royalton, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,280 (100%) |
| Owner Occupied HU | 1,005 (78.5%) |
| Renter Occupied HU | 194 (15.2%) |
| Vacant Housing Units | 81 ( 6.3%) |
| Median Home Value | $295,629 |
| Average Home Value | $342,724 |
Housing Distribution
Address Breakdown
Residential
1,186
Single Family
1,122
Multi-Family
64
Businesses
47
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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
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Nearby investment properties with comparable prices
