49231 County Road 173 Cabin 4Deer RiverMN56636
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 49231 County Road 173 Cabin 4, Deer River, MN, 56636 in Deer River is the 1.69 coverage ratio: rent of $1,440/mo versus a $853/mo debt payment on a $180,000 property. Rental yield 9.6%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $49,731 by year five, with $1,509/yr in equity from paydown. Total projected cumulative return: $45,240.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.0% |
| Monthly Cash Flow | $(351) | $400 |
City averages based on Deer River market data in our database. Property projections are estimates.
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 | $1,440 |
| Total Monthly Debt Service | $1,763 |
| DSCR Ratio | 0.82x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1935
2,613 sqft lot
$N/A/sqft
No 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
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Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #7063054
