816 Pennsylvania STREETSturgeon BayWI54235
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 816 Pennsylvania STREET, Sturgeon Bay, WI, 54235 in Sturgeon Bay deserves attention. This $200,000 property earns $2,255/mo in rent, a 13.53% gross yield, and nets $913/mo after the $899/mo payment. DSCR 2.51 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $55,256 compounds alongside $1,842/yr in yearly equity build, for a total cumulative return of $135,071.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.5% | 6.2% |
| Monthly Cash Flow | $913 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,255 |
| Total Monthly Debt Service | $1,263 |
| DSCR Ratio | 1.79x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1940
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54235, Sturgeon Bay, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,324 (100%) |
| Owner Occupied HU | 6,684 (54.2%) |
| Renter Occupied HU | 2,272 (18.4%) |
| Vacant Housing Units | 3,368 (27.3%) |
| Median Home Value | $352,204 |
| Average Home Value | $446,114 |
Housing Distribution
Address Breakdown
Residential
9,799
Single Family
9,137
Multi-Family
662
Businesses
857
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 1940
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54235, Sturgeon Bay, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,324 (100%) |
| Owner Occupied HU | 6,684 (54.2%) |
| Renter Occupied HU | 2,272 (18.4%) |
| Vacant Housing Units | 3,368 (27.3%) |
| Median Home Value | $352,204 |
| Average Home Value | $446,114 |
Housing Distribution
Address Breakdown
Residential
9,799
Single Family
9,137
Multi-Family
662
Businesses
857
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristine Pigeon • Weichert, Realtors CornerStone
Mls Name: WIREX MLS
Mls Provider:
Mls ID: #1928477
Disclaimer: Information is supplied by seller and other third parties and has not been verified. Copyright 2025 WiREx All Rights Reserved