520 5th St SW Unit 316WillmarMN56201
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 520 5th St SW Unit 316, Willmar, MN, 56201 in Willmar clears it at 1.71, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.22%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $45,586; $1,520/yr in principal equity; total projected return: $77,930.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $(354) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,268 |
| Total Monthly Debt Service | $965 |
| DSCR Ratio | 1.31x |
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 1988
1,393 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56201, Willmar, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,526 (100%) |
| Owner Occupied HU | 5,890 (56.0%) |
| Renter Occupied HU | 3,749 (35.6%) |
| Vacant Housing Units | 887 ( 8.4%) |
| Median Home Value | $241,893 |
| Average Home Value | $298,572 |
Housing Distribution
Address Breakdown
Residential
10,110
Single Family
7,887
Multi-Family
2,223
Businesses
1,119
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 1988
1,393 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56201, Willmar, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,526 (100%) |
| Owner Occupied HU | 5,890 (56.0%) |
| Renter Occupied HU | 3,749 (35.6%) |
| Vacant Housing Units | 887 ( 8.4%) |
| Median Home Value | $241,893 |
| Average Home Value | $298,572 |
Housing Distribution
Address Breakdown
Residential
10,110
Single Family
7,887
Multi-Family
2,223
Businesses
1,119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices