4621 Oneida StDuluthMN55804
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 4621 Oneida St, Duluth, MN, 55804 in Duluth is listed at $250,000 and delivers $1,985/mo in rent and $417/mo in net monthly cash flow. The 9.53% 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 $69,070 over five years, and $2,303/yr in principal reduction supplements cash return. Total projected cumulative return: $121,801.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.6% |
| Monthly Cash Flow | $417 | $650 |
City averages based on Duluth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,985 |
| Total Monthly Debt Service | $1,468 |
| DSCR Ratio | 1.35x |
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 1948
6,969 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 1948
6,969 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Liz Kratz • Seven Bridges Realty, LLC
Mls Name: Lake Superior Area Realtors
Mls Provider:
Mls ID: #6121330
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.