66638 180th StDarwinMN55324
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play66638 180th St, Darwin, MN, 55324 in Darwin is priced for appreciation, not yield. Rental yield 2.47%. At $758,000 with a 2.47% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $209,421 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.46) 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: $83,439.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.5% |
| Monthly Cash Flow | $(3,173) | $800 |
City averages based on Darwin market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,560 |
| Total Monthly Debt Service | $4,432 |
| DSCR Ratio | 0.35x |
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 1922
2.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55324, Darwin, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 634 (100%) |
| Owner Occupied HU | 418 (65.9%) |
| Renter Occupied HU | 55 ( 8.7%) |
| Vacant Housing Units | 161 (25.4%) |
| Median Home Value | $398,667 |
| Average Home Value | $424,833 |
Housing Distribution
Address Breakdown
Residential
541
Single Family
533
Multi-Family
8
Businesses
15
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 1922
2.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55324, Darwin, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 634 (100%) |
| Owner Occupied HU | 418 (65.9%) |
| Renter Occupied HU | 55 ( 8.7%) |
| Vacant Housing Units | 161 (25.4%) |
| Median Home Value | $398,667 |
| Average Home Value | $424,833 |
Housing Distribution
Address Breakdown
Residential
541
Single Family
533
Multi-Family
8
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices