531 Nelson LnCenter CityMN55012
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 531 Nelson Ln, Center City, MN, 55012 in Center City earns a 8.86% gross yield at $285,000. Rent of $2,105/mo nets $325/mo after the $1,282/mo mortgage. The 1.64 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $78,740 and $2,625/yr in equity accumulation project a total cumulative return of $129,095.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $325 | $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 | $2,105 |
| Total Monthly Debt Service | $1,666 |
| DSCR Ratio | 1.26x |
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 1990
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55012, Center City, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 801 (100%) |
| Owner Occupied HU | 656 (81.9%) |
| Renter Occupied HU | 81 (10.1%) |
| Vacant Housing Units | 64 ( 8.0%) |
| Median Home Value | $420,946 |
| Average Home Value | $468,975 |
Housing Distribution
Address Breakdown
Residential
766
Single Family
742
Multi-Family
24
Businesses
66
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 1990
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55012, Center City, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 801 (100%) |
| Owner Occupied HU | 656 (81.9%) |
| Renter Occupied HU | 81 (10.1%) |
| Vacant Housing Units | 64 ( 8.0%) |
| Median Home Value | $420,946 |
| Average Home Value | $468,975 |
Housing Distribution
Address Breakdown
Residential
766
Single Family
742
Multi-Family
24
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kerby & Cristina Real Estate Experts • RE/MAX Results
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7015969