741 Saint James CirLitchfieldMN55355
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 741 Saint James Cir, Litchfield, MN, 55355 in Litchfield at $449,900. Rental yield 6.8%. The 6.8% yield and 1.26 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $124,299 by year five, and $4,144/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $153,963.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 7.8% |
| Monthly Cash Flow | $(261) | $550 |
City averages based on Litchfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,549 |
| Total Monthly Debt Service | $2,630 |
| DSCR Ratio | 0.97x |
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 2025
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55355, Litchfield, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,434 (100%) |
| Owner Occupied HU | 2,995 (67.5%) |
| Renter Occupied HU | 944 (21.3%) |
| Vacant Housing Units | 495 (11.2%) |
| Median Home Value | $243,584 |
| Average Home Value | $300,728 |
Housing Distribution
Address Breakdown
Residential
4,146
Single Family
3,742
Multi-Family
404
Businesses
386
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 2025
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55355, Litchfield, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,434 (100%) |
| Owner Occupied HU | 2,995 (67.5%) |
| Renter Occupied HU | 944 (21.3%) |
| Vacant Housing Units | 495 (11.2%) |
| Median Home Value | $243,584 |
| Average Home Value | $300,728 |
Housing Distribution
Address Breakdown
Residential
4,146
Single Family
3,742
Multi-Family
404
Businesses
386
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daryl B Bonderson • Keller Williams Integrity NW
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6796605