4230 Zane Ave NCrystalMN55422
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4230 Zane Ave N, Crystal, MN, 55422 in Crystal at $270,000 earns $1,872/mo in rent and nets $186/mo after the $1,214/mo payment, a 8.32% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $74,596 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $2,487/yr in principal paydown, total projected return reaches $114,449.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.8% |
| Monthly Cash Flow | $186 | $1,200 |
City averages based on Crystal market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,872 |
| Total Monthly Debt Service | $1,579 |
| DSCR Ratio | 1.19x |
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 1946
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55422, Minneapolis, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,090 (100%) |
| Owner Occupied HU | 8,674 (66.3%) |
| Renter Occupied HU | 3,919 (29.9%) |
| Vacant Housing Units | 497 ( 3.8%) |
| Median Home Value | $367,824 |
| Average Home Value | $441,543 |
Housing Distribution
Address Breakdown
Residential
12,826
Single Family
9,956
Multi-Family
2,870
Businesses
656
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 1946
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55422, Minneapolis, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,090 (100%) |
| Owner Occupied HU | 8,674 (66.3%) |
| Renter Occupied HU | 3,919 (29.9%) |
| Vacant Housing Units | 497 ( 3.8%) |
| Median Home Value | $367,824 |
| Average Home Value | $441,543 |
Housing Distribution
Address Breakdown
Residential
12,826
Single Family
9,956
Multi-Family
2,870
Businesses
656
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices