45596 730th AveHectorMN55342
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 45596 730th Ave, Hector, MN, 55342 in Hector at $591,100, 3.7% gross yield, is a market-growth asset. Rental yield 3.7%. The $1,820/mo rent partially funds the $2,658/mo debt service; the core return is the 5%/yr price growth projected to add $163,310 over five years. Ziffy Mortgage's DSCR mortgage (0.68) 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: $103,922.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 7.0% |
| Monthly Cash Flow | $(1,871) | $350 |
City averages based on Hector market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,820 |
| Total Monthly Debt Service | $3,456 |
| DSCR Ratio | 0.53x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1958
13.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55342, Hector, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 915 (100%) |
| Owner Occupied HU | 637 (69.6%) |
| Renter Occupied HU | 142 (15.5%) |
| Vacant Housing Units | 136 (14.9%) |
| Median Home Value | $174,094 |
| Average Home Value | $224,117 |
Housing Distribution
Address Breakdown
Residential
645
Single Family
607
Multi-Family
38
Businesses
58
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 1958
13.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55342, Hector, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 915 (100%) |
| Owner Occupied HU | 637 (69.6%) |
| Renter Occupied HU | 142 (15.5%) |
| Vacant Housing Units | 136 (14.9%) |
| Median Home Value | $174,094 |
| Average Home Value | $224,117 |
Housing Distribution
Address Breakdown
Residential
645
Single Family
607
Multi-Family
38
Businesses
58
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices