541 S Murphy StLake CrystalMN56055
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 541 S Murphy St, Lake Crystal, MN, 56055 in Lake Crystal. Priced at $218,700, it generates $2,056/mo in gross rent and $653/mo in net monthly cash flow, a 11.28% yield that comfortably supports the 2.09 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,839. Five-year appreciation: $60,423. Equity from principal paydown: $2,014/yr. Total projected cumulative return: $125,275.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 7.0% |
| Monthly Cash Flow | $653 | $450 |
City averages based on Lake Crystal market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,056 |
| Total Monthly Debt Service | $1,315 |
| DSCR Ratio | 1.56x |
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.
Condo
Built in 2014
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56055, Lake Crystal, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,683 (100%) |
| Owner Occupied HU | 1,321 (78.5%) |
| Renter Occupied HU | 279 (16.6%) |
| Vacant Housing Units | 83 ( 4.9%) |
| Median Home Value | $286,137 |
| Average Home Value | $329,131 |
Housing Distribution
Address Breakdown
Residential
841
Single Family
769
Multi-Family
72
Businesses
71
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
Condo
Built in 2014
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56055, Lake Crystal, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,683 (100%) |
| Owner Occupied HU | 1,321 (78.5%) |
| Renter Occupied HU | 279 (16.6%) |
| Vacant Housing Units | 83 ( 4.9%) |
| Median Home Value | $286,137 |
| Average Home Value | $329,131 |
Housing Distribution
Address Breakdown
Residential
841
Single Family
769
Multi-Family
72
Businesses
71
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A