6452 50th StBowlusMN56314
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 6452 50th St, Bowlus, MN, 56314 in Bowlus fits: $349,900, 5.49% gross yield, and a projected 5% annual appreciation rate adding $96,671 in value within five years. Rental yield 5.49%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.02) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,223/yr in principal paydown and $96,671 in appreciation project a total return of $95,278.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 7.0% |
| Monthly Cash Flow | $(583) | $550 |
City averages based on Bowlus market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,602 |
| Total Monthly Debt Service | $2,046 |
| DSCR Ratio | 0.78x |
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 1920
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56314, Bowlus, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 455 (100%) |
| Owner Occupied HU | 378 (83.1%) |
| Renter Occupied HU | 56 (12.3%) |
| Vacant Housing Units | 21 ( 4.6%) |
| Median Home Value | $351,471 |
| Average Home Value | $393,003 |
Housing Distribution
Address Breakdown
Residential
426
Single Family
426
Multi-Family
0
Businesses
12
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 1920
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56314, Bowlus, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 455 (100%) |
| Owner Occupied HU | 378 (83.1%) |
| Renter Occupied HU | 56 (12.3%) |
| Vacant Housing Units | 21 ( 4.6%) |
| Median Home Value | $351,471 |
| Average Home Value | $393,003 |
Housing Distribution
Address Breakdown
Residential
426
Single Family
426
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices