854 6th StreetClaytonWI54004
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 854 6th Street, Clayton, WI, 54004 in Clayton is capital appreciation. Rental yield 2.84%. The 2.84% gross yield at $417,700 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $115,403 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.53) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $42,722.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 6.2% |
| Monthly Cash Flow | $(1,813) | $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 | $990 |
| Total Monthly Debt Service | $2,637 |
| DSCR Ratio | 0.38x |
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 1900
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54004, Clayton, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,076 (100%) |
| Owner Occupied HU | 769 (71.5%) |
| Renter Occupied HU | 172 (16.0%) |
| Vacant Housing Units | 135 (12.5%) |
| Median Home Value | $292,500 |
| Average Home Value | $327,760 |
Housing Distribution
Address Breakdown
Residential
912
Single Family
894
Multi-Family
18
Businesses
43
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 1900
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54004, Clayton, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,076 (100%) |
| Owner Occupied HU | 769 (71.5%) |
| Renter Occupied HU | 172 (16.0%) |
| Vacant Housing Units | 135 (12.5%) |
| Median Home Value | $292,500 |
| Average Home Value | $327,760 |
Housing Distribution
Address Breakdown
Residential
912
Single Family
894
Multi-Family
18
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices