4715 8th Street Loop NESaint CloudMN56304
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4715 8th Street Loop NE, Saint Cloud, MN, 56304 in Saint Cloud. Priced at $349,900, it generates $3,278/mo in gross rent and $1,069/mo in net monthly cash flow, a 11.24% yield that comfortably supports the 2.08 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $12,833. Five-year appreciation: $96,671. Equity from principal paydown: $3,223/yr. Total projected cumulative return: $201,694.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.2% |
| Monthly Cash Flow | $1,069 | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,278 |
| Total Monthly Debt Service | $2,070 |
| DSCR Ratio | 1.58x |
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 2024
0.32 Acres lot
$N/A/sqft
$24 monthly HOA
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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 2024
0.32 Acres lot
$N/A/sqft
$24 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices