531 Mill StreetBloomingtonWI53804
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 531 Mill Street, Bloomington, WI, 53804 in Bloomington earns a 11.4% gross yield at $136,500. Rent of $1,297/mo nets $381/mo after the $614/mo mortgage. The 2.11 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $37,712 and $1,257/yr in equity accumulation project a total cumulative return of $76,611.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 6.2% |
| Monthly Cash Flow | $381 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,297 |
| Total Monthly Debt Service | $862 |
| DSCR Ratio | 1.51x |
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 1956
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53804, Bloomington, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 629 (100%) |
| Owner Occupied HU | 459 (73.0%) |
| Renter Occupied HU | 116 (18.4%) |
| Vacant Housing Units | 54 ( 8.6%) |
| Median Home Value | $196,354 |
| Average Home Value | $254,858 |
Housing Distribution
Address Breakdown
Residential
364
Single Family
344
Multi-Family
20
Businesses
45
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 1956
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53804, Bloomington, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 629 (100%) |
| Owner Occupied HU | 459 (73.0%) |
| Renter Occupied HU | 116 (18.4%) |
| Vacant Housing Units | 54 ( 8.6%) |
| Median Home Value | $196,354 |
| Average Home Value | $254,858 |
Housing Distribution
Address Breakdown
Residential
364
Single Family
344
Multi-Family
20
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices