522 1st St SESaint StephenMN56375
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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
Total monthly income runs $2,858/mo, and a $3,426/mo payment. Purchase price stands at $699,900, and rental yield measures 4.9% with $2,858/mo rent. Return on cash invested shows 12.18% in year one, and 5% annual appreciation builds toward $193,369 over five years. Five-year ROI reaches 61.43% and total cumulative return in cash records $141,464. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $2,858/mo property income covering a $3,426/mo payment rather than investor’s personal income.
Single Family
Built in 2025
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56375, Saint Stephen, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 334 (100%) |
| Owner Occupied HU | 292 (87.4%) |
| Renter Occupied HU | 32 ( 9.6%) |
| Vacant Housing Units | 10 ( 3.0%) |
| Median Home Value | $442,222 |
| Average Home Value | $528,716 |
Housing Distribution
Address Breakdown
Residential
326
Single Family
326
Multi-Family
0
Businesses
13
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Listed by: Wade W. Rodenwald • Century 21 First Realty, Inc.
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6813249