119 12th St, Bemidji, MN 56601

3 bd · 2 ba · 1,074 sqft · built 1900 · Bemidji · SINGLE_FAMILY·source listing ↗

$129,900

rent, three ways

OnePercent model (vv1)$1,990/mo

p10–p90 confidence band

HUD Fair Market Rent · 56601 · 3BR$1,390/mo

Area comps median (last 90d)—

Area comps median (last 90d)

\u2014

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Beltrami

Flood risk indexRelatively High FEMA NRI

Median household income$72,262

Median area rent$1,088/mo

Median home value$260,900

the verdict

1.53%vs 1.0% target

financing: 20% down · — (FRED, live) · 30yr

$129,900

1.53% · rent $1,990

Intrinsic value · income approach

$259,935

50% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.