4658 9th St NESaint CloudMN56304
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Saint Cloud rental at 4658 9th St NE, Saint Cloud, MN, 56304 sits in the solid-income band: 8.97% gross yield, $2,982/mo rent, $463/mo net after the $1,794/mo debt service, DSCR 1.66. Entry price of $399,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $110,236 and $3,675/yr in principal reduction bring total cumulative return to $182,981.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $463 | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,982 |
| Total Monthly Debt Service | $2,333 |
| DSCR Ratio | 1.28x |
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
0.38 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
0.38 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alexandra Oleen • Princeton Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7006254