N2047 Valley ROADLa CrosseWI54601
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at N2047 Valley ROAD, La Crosse, WI, 54601 in La Crosse: $3,169/mo in rent, $560/mo in net income, 9.78% gross yield, 1.81 DSCR, all at $388,800. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $107,418 in appreciation and $3,581/yr in principal paydown projects total cumulative return of $184,372.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 5.8% |
| Monthly Cash Flow | $560 | $450 |
City averages based on La Crosse market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,169 |
| Total Monthly Debt Service | $2,455 |
| DSCR Ratio | 1.29x |
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 1958
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54601, La Crosse, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,206 (100%) |
| Owner Occupied HU | 11,616 (50.1%) |
| Renter Occupied HU | 10,304 (44.4%) |
| Vacant Housing Units | 1,286 ( 5.5%) |
| Median Home Value | $271,768 |
| Average Home Value | $326,762 |
Housing Distribution
Address Breakdown
Residential
21,760
Single Family
17,099
Multi-Family
4,661
Businesses
1,313
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 1958
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54601, La Crosse, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,206 (100%) |
| Owner Occupied HU | 11,616 (50.1%) |
| Renter Occupied HU | 10,304 (44.4%) |
| Vacant Housing Units | 1,286 ( 5.5%) |
| Median Home Value | $271,768 |
| Average Home Value | $326,762 |
Housing Distribution
Address Breakdown
Residential
21,760
Single Family
17,099
Multi-Family
4,661
Businesses
1,313
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices