79317 355th StClintonMN56225
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 79317 355th St, Clinton, MN, 56225 in Clinton fits: $659,000, 5.3% gross yield, and a projected 5% annual appreciation rate adding $182,070 in value within five years. Rental yield 5.3%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.98) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,069/yr in principal paydown and $182,070 in appreciation project a total return of $172,526.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.8% |
| Monthly Cash Flow | $(1,213) | $350 |
City averages based on Clinton 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 | $2,910 |
| Total Monthly Debt Service | $3,853 |
| DSCR Ratio | 0.76x |
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 2005
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56225, Clinton, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 497 (100%) |
| Owner Occupied HU | 286 (57.5%) |
| Renter Occupied HU | 47 ( 9.5%) |
| Vacant Housing Units | 164 (33.0%) |
| Median Home Value | $244,737 |
| Average Home Value | $325,402 |
Housing Distribution
Address Breakdown
Residential
208
Single Family
188
Multi-Family
20
Businesses
24
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 2005
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56225, Clinton, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 497 (100%) |
| Owner Occupied HU | 286 (57.5%) |
| Renter Occupied HU | 47 ( 9.5%) |
| Vacant Housing Units | 164 (33.0%) |
| Median Home Value | $244,737 |
| Average Home Value | $325,402 |
Housing Distribution
Address Breakdown
Residential
208
Single Family
188
Multi-Family
20
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices