521 4th St NSaint JamesMN56081
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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
Investment Highlights
Rental property for sale in Saint James at 521 4th St N, Saint James, MN, 56081 generates $1,896/mo in rent and, after a $1,101/mo payment, leaves $491/mo in cash flow. Total monthly income is $1,896/mo, and annual cash flow is $5,895/yr on $74,588 invested. Return on cash invested sits at 27.81% in year one, and rental yield is 10.11% on a $225,000 entry. Equity gained on principal adds $1,452/yr, while 5% annual appreciation builds toward $62,163 over five years. Five-year ROI reaches 145.34% and total cumulative return in cash sums $108,405. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $1,896/mo property income rather than buyer’s personal income.
Single Family
Built in 1976
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56081, Saint James, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,704 (100%) |
| Owner Occupied HU | 1,805 (66.8%) |
| Renter Occupied HU | 671 (24.8%) |
| Vacant Housing Units | 228 ( 8.4%) |
| Median Home Value | $173,364 |
| Average Home Value | $216,896 |
Housing Distribution
Address Breakdown
Residential
2,449
Single Family
2,143
Multi-Family
306
Businesses
176
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Listed by: Kelsey Cooling • True Real Estate
Mls Name: RASM
Mls ID: #7038024