639 Main St SLonsdaleMN55046
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play639 Main St S, Lonsdale, MN, 55046 in Lonsdale is priced for appreciation, not yield. Rental yield 2.7%. At $399,900 with a 2.7% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $110,485 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.50) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $49,009.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 7.0% |
| Monthly Cash Flow | $(1,597) | $150 |
City averages based on Lonsdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $900 |
| Total Monthly Debt Service | $2,338 |
| DSCR Ratio | 0.38x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1955
1.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55046, Lonsdale, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,290 (100%) |
| Owner Occupied HU | 1,950 (85.2%) |
| Renter Occupied HU | 227 ( 9.9%) |
| Vacant Housing Units | 113 ( 4.9%) |
| Median Home Value | $378,858 |
| Average Home Value | $403,237 |
Housing Distribution
Address Breakdown
Residential
2,250
Single Family
2,164
Multi-Family
86
Businesses
95
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 1955
1.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55046, Lonsdale, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,290 (100%) |
| Owner Occupied HU | 1,950 (85.2%) |
| Renter Occupied HU | 227 ( 9.9%) |
| Vacant Housing Units | 113 ( 4.9%) |
| Median Home Value | $378,858 |
| Average Home Value | $403,237 |
Housing Distribution
Address Breakdown
Residential
2,250
Single Family
2,164
Multi-Family
86
Businesses
95
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices