4680 381st TrlNorth BranchMN55056
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4680 381st Trl, North Branch, MN, 55056 in North Branch is narrow, $129/mo net on $2,719/mo rent after the $1,865/mo debt service, but the property operates at break-even-plus, not a loss. At $414,800 with a 7.87% yield, the long-run equity case via 5% appreciation ($114,602 over five years) and $3,820/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $165,741.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.2% |
| Monthly Cash Flow | $129 | $350 |
City averages based on North Branch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,719 |
| Total Monthly Debt Service | $2,425 |
| DSCR Ratio | 1.12x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55056, North Branch, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,023 (100%) |
| Owner Occupied HU | 5,048 (83.8%) |
| Renter Occupied HU | 744 (12.4%) |
| Vacant Housing Units | 231 ( 3.8%) |
| Median Home Value | $344,979 |
| Average Home Value | $379,715 |
Housing Distribution
Address Breakdown
Residential
5,878
Single Family
5,217
Multi-Family
661
Businesses
335
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55056, North Branch, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,023 (100%) |
| Owner Occupied HU | 5,048 (83.8%) |
| Renter Occupied HU | 744 (12.4%) |
| Vacant Housing Units | 231 ( 3.8%) |
| Median Home Value | $344,979 |
| Average Home Value | $379,715 |
Housing Distribution
Address Breakdown
Residential
5,878
Single Family
5,217
Multi-Family
661
Businesses
335
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A