47225 269th AveLaporteMN56461
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 47225 269th Ave, Laporte, MN, 56461 in Laporte is narrow, $189/mo net on $2,618/mo rent after the $1,749/mo debt service, but the property operates at break-even-plus, not a loss. At $389,000 with a 8.08% yield, the long-run equity case via 5% appreciation ($107,474 over five years) and $3,583/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $159,765.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 8.0% |
| Monthly Cash Flow | $189 | $320 |
City averages based on Laporte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,618 |
| Total Monthly Debt Service | $2,274 |
| DSCR Ratio | 1.15x |
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 2011
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56461, Laporte, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,061 (100%) |
| Owner Occupied HU | 1,219 (59.1%) |
| Renter Occupied HU | 169 ( 8.2%) |
| Vacant Housing Units | 673 (32.7%) |
| Median Home Value | $294,833 |
| Average Home Value | $351,940 |
Housing Distribution
Address Breakdown
Residential
1,474
Single Family
1,474
Multi-Family
0
Businesses
29
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 2011
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56461, Laporte, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,061 (100%) |
| Owner Occupied HU | 1,219 (59.1%) |
| Renter Occupied HU | 169 ( 8.2%) |
| Vacant Housing Units | 673 (32.7%) |
| Median Home Value | $294,833 |
| Average Home Value | $351,940 |
Housing Distribution
Address Breakdown
Residential
1,474
Single Family
1,474
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices