619 21st St EWest FargoND58078
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 619 21st St E, West Fargo, ND, 58078 in West Fargo at $285,000 earns $1,932/mo in rent and nets $197/mo after the $1,282/mo payment, a 8.13% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $78,740 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $2,625/yr in principal paydown, total projected return reaches $120,659.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $197 | $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 | $1,932 |
| Total Monthly Debt Service | $1,621 |
| DSCR Ratio | 1.19x |
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 1982
6,272 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 58078, West Fargo, ND area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,811 (100%) |
| Owner Occupied HU | 11,170 (62.7%) |
| Renter Occupied HU | 5,905 (33.2%) |
| Vacant Housing Units | 736 ( 4.1%) |
| Median Home Value | $342,890 |
| Average Home Value | $396,492 |
Housing Distribution
Address Breakdown
Residential
17,620
Single Family
12,590
Multi-Family
5,030
Businesses
1,238
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 1982
6,272 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 58078, West Fargo, ND area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,811 (100%) |
| Owner Occupied HU | 11,170 (62.7%) |
| Renter Occupied HU | 5,905 (33.2%) |
| Vacant Housing Units | 736 ( 4.1%) |
| Median Home Value | $342,890 |
| Average Home Value | $396,492 |
Housing Distribution
Address Breakdown
Residential
17,620
Single Family
12,590
Multi-Family
5,030
Businesses
1,238
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7086967