820 Main StSaint CloudWI53079
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 820 Main St, Saint Cloud, WI, 53079 in Saint Cloud: $2,566/mo in rent, $217/mo in net income, 8.8% gross yield, 1.63 DSCR, all at $349,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $96,671 in appreciation and $3,223/yr in principal paydown projects total cumulative return of $147,550.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $217 | $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 | $2,566 |
| Total Monthly Debt Service | $2,209 |
| DSCR Ratio | 1.16x |
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 1904
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53079, Saint Cloud, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 723 (100%) |
| Owner Occupied HU | 572 (79.1%) |
| Renter Occupied HU | 72 ( 10.0%) |
| Vacant Housing Units | 79 (10.9%) |
| Median Home Value | $307,237 |
| Average Home Value | $342,242 |
Housing Distribution
Address Breakdown
Residential
598
Single Family
598
Multi-Family
0
Businesses
23
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 1904
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53079, Saint Cloud, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 723 (100%) |
| Owner Occupied HU | 572 (79.1%) |
| Renter Occupied HU | 72 ( 10.0%) |
| Vacant Housing Units | 79 (10.9%) |
| Median Home Value | $307,237 |
| Average Home Value | $342,242 |
Housing Distribution
Address Breakdown
Residential
598
Single Family
598
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jason Zellner • Zellner Real Estate
Mls Name: RANW
Mls ID: #50313579