42720 County Road 3HoldingfordMN56340
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 42720 County Road 3, Holdingford, MN, 56340 in Holdingford. Rental yield 5.69%. At $675,000 with 5.69% gross yield, current distributions are modest, but the 5% appreciation rate projects $186,490 in new equity by year five, complemented by $6,217/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.06) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $191,004.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.8% |
| Monthly Cash Flow | $(1,012) | $150 |
City averages based on Holdingford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,203 |
| Total Monthly Debt Service | $3,946 |
| DSCR Ratio | 0.81x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1971
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56340, Holdingford, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,017 (100%) |
| Owner Occupied HU | 858 (84.4%) |
| Renter Occupied HU | 111 (10.9%) |
| Vacant Housing Units | 48 ( 4.7%) |
| Median Home Value | $374,654 |
| Average Home Value | $423,220 |
Housing Distribution
Address Breakdown
Residential
776
Single Family
760
Multi-Family
16
Businesses
44
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 1971
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56340, Holdingford, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,017 (100%) |
| Owner Occupied HU | 858 (84.4%) |
| Renter Occupied HU | 111 (10.9%) |
| Vacant Housing Units | 48 ( 4.7%) |
| Median Home Value | $374,654 |
| Average Home Value | $423,220 |
Housing Distribution
Address Breakdown
Residential
776
Single Family
760
Multi-Family
16
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ashley Carbert • Century 21 First Realty, Inc.
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6807040