5226 Pontoon Bay RdDuluthMN55803
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 5226 Pontoon Bay Rd, Duluth, MN, 55803 in Duluth at $1,175,000, 3.13% gross yield, is a market-growth asset. Rental yield 3.13%. The $3,060/mo rent partially funds the $5,284/mo debt service; the core return is the 5%/yr price growth projected to add $324,631 over five years. Ziffy Mortgage's DSCR mortgage (0.58) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $170,547.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 5.6% |
| Monthly Cash Flow | $(4,277) | $650 |
City averages based on Duluth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,060 |
| Total Monthly Debt Service | $6,870 |
| DSCR Ratio | 0.45x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1976
3.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55803, Duluth, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,457 (100%) |
| Owner Occupied HU | 5,987 (70.8%) |
| Renter Occupied HU | 1,401 (16.6%) |
| Vacant Housing Units | 1,069 (12.6%) |
| Median Home Value | $371,529 |
| Average Home Value | $418,064 |
Housing Distribution
Address Breakdown
Residential
8,049
Single Family
7,214
Multi-Family
835
Businesses
380
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 1976
3.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55803, Duluth, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,457 (100%) |
| Owner Occupied HU | 5,987 (70.8%) |
| Renter Occupied HU | 1,401 (16.6%) |
| Vacant Housing Units | 1,069 (12.6%) |
| Median Home Value | $371,529 |
| Average Home Value | $418,064 |
Housing Distribution
Address Breakdown
Residential
8,049
Single Family
7,214
Multi-Family
835
Businesses
380
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tommy Archer • Coldwell Banker Realty - Duluth
Mls Name: Lake Superior Area Realtors
Mls Provider:
Mls ID: #6119949
Disclaimer: Information is supplied by seller and other third parties and has not been verified. Open House information is subject to change without notice. Copyright 2025 Lake Superior Area REALTORS, Inc.® MLS All Rights Reserved.