46673 County Highway 35VergasMN56587
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow46673 County Highway 35, Vergas, MN, 56587 in Vergas earns its strong cash-flow label: 10.27% yield, $3,398/mo rent, $919/mo net income, DSCR 1.90. The $397,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $109,684 by year five. Combined with $3,656/yr in principal paydown, total projected return reaches $209,816.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $919 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $3,398 |
| Total Monthly Debt Service | $2,321 |
| DSCR Ratio | 1.46x |
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 1976
1.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56587, Vergas, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,100 (100%) |
| Owner Occupied HU | 616 (56.0%) |
| Renter Occupied HU | 54 ( 4.9%) |
| Vacant Housing Units | 430 (39.1%) |
| Median Home Value | $479,012 |
| Average Home Value | $530,353 |
Housing Distribution
Address Breakdown
Residential
745
Single Family
740
Multi-Family
5
Businesses
39
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 1976
1.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56587, Vergas, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,100 (100%) |
| Owner Occupied HU | 616 (56.0%) |
| Renter Occupied HU | 54 ( 4.9%) |
| Vacant Housing Units | 430 (39.1%) |
| Median Home Value | $479,012 |
| Average Home Value | $530,353 |
Housing Distribution
Address Breakdown
Residential
745
Single Family
740
Multi-Family
5
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices