464 30th Ave SESaint CloudMN56304
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 464 30th Ave SE, Saint Cloud, MN, 56304 in Saint Cloud. Priced at $302,000, it generates $2,629/mo in gross rent and $743/mo in net monthly cash flow, a 10.45% yield that comfortably supports the 1.94 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,920. Five-year appreciation: $83,437. Equity from principal paydown: $2,781/yr. Total projected cumulative return: $162,445.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $743 | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,629 |
| Total Monthly Debt Service | $1,766 |
| DSCR Ratio | 1.49x |
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 2025
0.30 Acres 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 2025
0.30 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Balin Semrau • Ashworth Real Estate
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6822955