85165 State Hwy 13 Lot 1 and 2 CSM 2340BayfieldWI54814
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 85165 State Hwy 13 Lot 1 and 2 CSM 2340, Bayfield, WI, 54814 in Bayfield fits: $648,000, 3.28% gross yield, and a projected 5% annual appreciation rate adding $179,030 in value within five years. Rental yield 3.28%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.61) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,968/yr in principal paydown and $179,030 in appreciation project a total return of $81,218.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.2% |
| Monthly Cash Flow | $(2,579) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,770 |
| Total Monthly Debt Service | $4,091 |
| DSCR Ratio | 0.43x |
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 1980
9.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54814, Bayfield, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,886 (100%) |
| Owner Occupied HU | 876 (46.4%) |
| Renter Occupied HU | 432 (22.9%) |
| Vacant Housing Units | 578 (30.6%) |
| Median Home Value | $317,600 |
| Average Home Value | $331,558 |
Housing Distribution
Address Breakdown
Residential
784
Single Family
700
Multi-Family
84
Businesses
138
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 1980
9.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54814, Bayfield, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,886 (100%) |
| Owner Occupied HU | 876 (46.4%) |
| Renter Occupied HU | 432 (22.9%) |
| Vacant Housing Units | 578 (30.6%) |
| Median Home Value | $317,600 |
| Average Home Value | $331,558 |
Housing Distribution
Address Breakdown
Residential
784
Single Family
700
Multi-Family
84
Businesses
138
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices