4459 130th St NWOronocoMN55956
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4459 130th St NW, Oronoco, MN, 55956 in Oronoco at $990,500, 5.13% gross yield, is a market-growth asset. Rental yield 5.13%. The $4,237/mo rent partially funds the $4,695/mo debt service; the core return is the 5%/yr price growth projected to add $273,657 over five years. Ziffy Mortgage's DSCR mortgage (0.90) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $231,851.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 7.2% |
| Monthly Cash Flow | $(1,948) | $400 |
City averages based on Oronoco 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 | $4,237 |
| Total Monthly Debt Service | $6,033 |
| DSCR Ratio | 0.70x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2012
38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55956, Mazeppa, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 818 (100%) |
| Owner Occupied HU | 650 (79.5%) |
| Renter Occupied HU | 107 (13.1%) |
| Vacant Housing Units | 61 ( 7.5%) |
| Median Home Value | $359,259 |
| Average Home Value | $399,604 |
Housing Distribution
Address Breakdown
Residential
687
Single Family
675
Multi-Family
12
Businesses
29
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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
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