4328 Oneida StDuluthMN55804
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 4328 Oneida St, Duluth, MN, 55804 in Duluth is straightforward: $350,000 in, $2,854/mo in rent, $657/mo out after debt service. The 9.78% gross yield and 1.81 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $96,699 by year five. With $3,224/yr in principal equity, the total cumulative return is projected at $175,159.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 5.6% |
| Monthly Cash Flow | $657 | $650 |
City averages based on Duluth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,854 |
| Total Monthly Debt Service | $2,057 |
| DSCR Ratio | 1.39x |
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 1914
8,276 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 1914
8,276 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lane Hovland • Coldwell Banker - Buffalo
Mls Name: Lake Superior Area Realtors
Mls Provider:
Mls ID: #6119343
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.