440 Aurora AveLowryMN56349
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 440 Aurora Ave, Lowry, MN, 56349 in Lowry is listed at $135,995 and delivers $1,081/mo in rent and $232/mo in net monthly cash flow. The 9.54% yield and 1.77 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $37,573 over five years, and $1,253/yr in principal reduction supplements cash return. Total projected cumulative return: $66,521.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.0% |
| Monthly Cash Flow | $232 | $350 |
City averages based on Lowry market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,081 |
| Total Monthly Debt Service | $795 |
| DSCR Ratio | 1.36x |
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 1915
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56349, Lowry, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 390 (100%) |
| Owner Occupied HU | 277 (71.0%) |
| Renter Occupied HU | 47 (12.1%) |
| Vacant Housing Units | 66 (16.9%) |
| Median Home Value | $382,836 |
| Average Home Value | $418,123 |
Housing Distribution
Address Breakdown
Residential
280
Single Family
280
Multi-Family
0
Businesses
19
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 1915
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56349, Lowry, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 390 (100%) |
| Owner Occupied HU | 277 (71.0%) |
| Renter Occupied HU | 47 (12.1%) |
| Vacant Housing Units | 66 (16.9%) |
| Median Home Value | $382,836 |
| Average Home Value | $418,123 |
Housing Distribution
Address Breakdown
Residential
280
Single Family
280
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices