5128 Grant Valley Rd NWBemidjiMN56601
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 5128 Grant Valley Rd NW, Bemidji, MN, 56601 in Bemidji speaks for itself: 14.31% gross on a $250,000 price, generating $2,982/mo in rent and $1,415/mo in net income after the $1,124/mo debt service. DSCR 2.65, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,985 stacks alongside $69,070 in projected five-year appreciation and $2,303/yr in principal reduction. Projected total cumulative return: $186,013.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.3% | 7.0% |
| Monthly Cash Flow | $1,415 | $350 |
City averages based on Bemidji market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,982 |
| Total Monthly Debt Service | $1,467 |
| DSCR Ratio | 2.03x |
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 2016
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56601, Bemidji, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,409 (100%) |
| Owner Occupied HU | 9,352 (57.0%) |
| Renter Occupied HU | 4,857 (29.6%) |
| Vacant Housing Units | 2,200 (13.4%) |
| Median Home Value | $296,990 |
| Average Home Value | $338,688 |
Housing Distribution
Address Breakdown
Residential
14,717
Single Family
13,253
Multi-Family
1,464
Businesses
1,090
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 2016
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56601, Bemidji, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,409 (100%) |
| Owner Occupied HU | 9,352 (57.0%) |
| Renter Occupied HU | 4,857 (29.6%) |
| Vacant Housing Units | 2,200 (13.4%) |
| Median Home Value | $296,990 |
| Average Home Value | $338,688 |
Housing Distribution
Address Breakdown
Residential
14,717
Single Family
13,253
Multi-Family
1,464
Businesses
1,090
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices