5314 397th StNorth BranchMN55056
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 5314 397th St, North Branch, MN, 55056 in North Branch. At $302,900 it earns $2,359/mo in rent and distributes $468/mo to the owner after the $1,362/mo payment, a consistent 9.35% yield. DSCR 1.73 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $83,686 in value; $2,790/yr in principal paydown compounds ownership stake. Total projected return: $145,064.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.2% |
| Monthly Cash Flow | $468 | $350 |
City averages based on North Branch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,359 |
| Total Monthly Debt Service | $1,771 |
| DSCR Ratio | 1.33x |
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.
Townhouse
Built in 2025
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55056, North Branch, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,023 (100%) |
| Owner Occupied HU | 5,048 (83.8%) |
| Renter Occupied HU | 744 (12.4%) |
| Vacant Housing Units | 231 ( 3.8%) |
| Median Home Value | $344,979 |
| Average Home Value | $379,715 |
Housing Distribution
Address Breakdown
Residential
5,878
Single Family
5,217
Multi-Family
661
Businesses
335
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
Townhouse
Built in 2025
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55056, North Branch, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,023 (100%) |
| Owner Occupied HU | 5,048 (83.8%) |
| Renter Occupied HU | 744 (12.4%) |
| Vacant Housing Units | 231 ( 3.8%) |
| Median Home Value | $344,979 |
| Average Home Value | $379,715 |
Housing Distribution
Address Breakdown
Residential
5,878
Single Family
5,217
Multi-Family
661
Businesses
335
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karl Christenson • LGI Realty-Minnesota, LLC
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6784326