523 54th Ave #49Saint CloudMN56303
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Saint Cloud rentals match the income profile of 523 54th Ave #49, Saint Cloud, MN, 56303. Listed at $110,800, gross rent is $2,400/mo and net cash flow is $1,708/mo, a 25.99% yield well above national averages. DSCR 4.82 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $30,612 by year five with $1,020/yr in annual principal reduction, projecting $152,004 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 26% | 6.2% |
| Monthly Cash Flow | $1,708 | $850 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $648 |
| DSCR Ratio | 3.70x |
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.
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56303, Saint Cloud, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,843 (100%) |
| Owner Occupied HU | 7,277 (56.7%) |
| Renter Occupied HU | 4,998 (38.9%) |
| Vacant Housing Units | 568 ( 4.4%) |
| Median Home Value | $267,591 |
| Average Home Value | $314,287 |
Housing Distribution
Address Breakdown
Residential
12,151
Single Family
8,900
Multi-Family
3,251
Businesses
536
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
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56303, Saint Cloud, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,843 (100%) |
| Owner Occupied HU | 7,277 (56.7%) |
| Renter Occupied HU | 4,998 (38.9%) |
| Vacant Housing Units | 568 ( 4.4%) |
| Median Home Value | $267,591 |
| Average Home Value | $314,287 |
Housing Distribution
Address Breakdown
Residential
12,151
Single Family
8,900
Multi-Family
3,251
Businesses
536
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Summit Management
Mls Provider:
Mls ID: #N/A