87854 State Highway 251AustinMN55912
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 87854 State Highway 251, Austin, MN, 55912 in Austin worth study. Rental yield 4.89%. The 4.89% gross yield is below cash-flow benchmarks at $779,000, but 5% annual appreciation, adding $215,223 over five years, frames this as a capital growth position. Rent of $3,173/mo partially offsets the $3,503/mo payment. Ziffy Mortgage finances appreciation-play properties (0.91 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $186,743.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(1,692) | $350 |
City averages based on Austin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,173 |
| Total Monthly Debt Service | $4,555 |
| DSCR Ratio | 0.70x |
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 1940
14.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55912, Austin, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,710 (100%) |
| Owner Occupied HU | 8,151 (64.1%) |
| Renter Occupied HU | 3,642 (28.7%) |
| Vacant Housing Units | 917 ( 7.2%) |
| Median Home Value | $198,527 |
| Average Home Value | $258,502 |
Housing Distribution
Address Breakdown
Residential
12,261
Single Family
10,599
Multi-Family
1,662
Businesses
835
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
14.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55912, Austin, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,710 (100%) |
| Owner Occupied HU | 8,151 (64.1%) |
| Renter Occupied HU | 3,642 (28.7%) |
| Vacant Housing Units | 917 ( 7.2%) |
| Median Home Value | $198,527 |
| Average Home Value | $258,502 |
Housing Distribution
Address Breakdown
Residential
12,261
Single Family
10,599
Multi-Family
1,662
Businesses
835
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices