627 N 20th Ave EDuluthMN55812
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow627 N 20th Ave E, Duluth, MN, 55812 in Duluth is a top-tier cash-flow asset. At $314,900 it produces $2,980/mo in rent and $1,013/mo in net monthly income, a 11.35% gross rental yield. The DSCR of 2.10 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $12,158. Five-year appreciation adds $87,001, driving a total cumulative return of $184,705.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 5.6% |
| Monthly Cash Flow | $1,013 | $650 |
City averages based on Duluth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,980 |
| Total Monthly Debt Service | $1,841 |
| DSCR Ratio | 1.62x |
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 1926
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55812, Duluth, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,847 (100%) |
| Owner Occupied HU | 1,525 (39.6%) |
| Renter Occupied HU | 2,024 (52.6%) |
| Vacant Housing Units | 298 ( 7.7%) |
| Median Home Value | $382,580 |
| Average Home Value | $441,516 |
Housing Distribution
Address Breakdown
Residential
3,696
Single Family
2,908
Multi-Family
788
Businesses
151
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 1926
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55812, Duluth, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,847 (100%) |
| Owner Occupied HU | 1,525 (39.6%) |
| Renter Occupied HU | 2,024 (52.6%) |
| Vacant Housing Units | 298 ( 7.7%) |
| Median Home Value | $382,580 |
| Average Home Value | $441,516 |
Housing Distribution
Address Breakdown
Residential
3,696
Single Family
2,908
Multi-Family
788
Businesses
151
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices