4303 McCulloch StDuluthMN55804
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 4303 McCulloch St, Duluth, MN, 55804 in Duluth earns a 8.99% gross yield at $310,000. Rent of $2,323/mo nets $387/mo after the $1,394/mo mortgage. The 1.67 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $85,647 and $2,855/yr in equity accumulation project a total cumulative return of $142,560.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.6% |
| Monthly Cash Flow | $387 | $650 |
City averages based on Duluth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,323 |
| Total Monthly Debt Service | $1,812 |
| DSCR Ratio | 1.28x |
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 1903
6,969 sqft lot
$N/A/sqft
No HOA
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 1903
6,969 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Emily Silverness • Century 21 Atwood
Mls Name: Lake Superior Area Realtors
Mls Provider:
Mls ID: #6118841
Disclaimer: Information is supplied by seller and other third parties and has not been verified. Open House information is subject to change without notice. Copyright 2025 Lake Superior Area REALTORS, Inc.® MLS All Rights Reserved.