43637 State Highway 15TrumanMN56088
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 43637 State Highway 15, Truman, MN, 56088 in Truman is narrow, $32/mo net on $2,399/mo rent after the $1,704/mo debt service, but the property operates at break-even-plus, not a loss. At $379,000 with a 7.6% yield, the long-run equity case via 5% appreciation ($104,711 over five years) and $3,491/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $145,934.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $32 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,399 |
| Total Monthly Debt Service | $2,216 |
| DSCR Ratio | 1.08x |
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 1916
5.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56088, Truman, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 828 (100%) |
| Owner Occupied HU | 554 (66.9%) |
| Renter Occupied HU | 155 (18.7%) |
| Vacant Housing Units | 119 (14.4%) |
| Median Home Value | $152,041 |
| Average Home Value | $232,283 |
Housing Distribution
Address Breakdown
Residential
776
Single Family
721
Multi-Family
55
Businesses
53
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 1916
5.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56088, Truman, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 828 (100%) |
| Owner Occupied HU | 554 (66.9%) |
| Renter Occupied HU | 155 (18.7%) |
| Vacant Housing Units | 119 (14.4%) |
| Median Home Value | $152,041 |
| Average Home Value | $232,283 |
Housing Distribution
Address Breakdown
Residential
776
Single Family
721
Multi-Family
55
Businesses
53
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices