425 SW 4th StAvocaMN56114
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 425 SW 4th St, Avoca, MN, 56114 in Avoca: $2,080/mo in rent, $462/mo in net income, 9.64% gross yield, 1.79 DSCR, all at $259,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $71,557 in appreciation and $2,385/yr in principal paydown projects total cumulative return of $128,057.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $462 | $1,200 |
City averages based on Avoca market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,080 |
| Total Monthly Debt Service | $1,514 |
| DSCR Ratio | 1.37x |
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 1978
4.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56114, Avoca, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 177 (100%) |
| Owner Occupied HU | 133 (75.1%) |
| Renter Occupied HU | 18 (10.2%) |
| Vacant Housing Units | 26 (14.7%) |
| Median Home Value | $198,214 |
| Average Home Value | $252,801 |
Housing Distribution
Address Breakdown
Residential
138
Single Family
138
Multi-Family
0
Businesses
3
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 1978
4.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56114, Avoca, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 177 (100%) |
| Owner Occupied HU | 133 (75.1%) |
| Renter Occupied HU | 18 (10.2%) |
| Vacant Housing Units | 26 (14.7%) |
| Median Home Value | $198,214 |
| Average Home Value | $252,801 |
Housing Distribution
Address Breakdown
Residential
138
Single Family
138
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices