10121 73rd Ln NEOtsegoMN55301
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 10121 73rd Ln NE, Otsego, MN, 55301 in Otsego: $3,289/mo in rent, $545/mo in net income, 8.98% gross yield, 1.66 DSCR, all at $439,525. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $121,433 in appreciation and $4,048/yr in principal paydown projects total cumulative return of $201,833.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.2% |
| Monthly Cash Flow | $545 | $350 |
City averages based on Otsego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,289 |
| Total Monthly Debt Service | $2,570 |
| DSCR Ratio | 1.28x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55301, Albertville, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,117 (100%) |
| Owner Occupied HU | 4,068 (79.5%) |
| Renter Occupied HU | 797 (15.6%) |
| Vacant Housing Units | 252 ( 4.9%) |
| Median Home Value | $358,720 |
| Average Home Value | $371,713 |
Housing Distribution
Address Breakdown
Residential
4,772
Single Family
4,492
Multi-Family
280
Businesses
315
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55301, Albertville, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,117 (100%) |
| Owner Occupied HU | 4,068 (79.5%) |
| Renter Occupied HU | 797 (15.6%) |
| Vacant Housing Units | 252 ( 4.9%) |
| Median Home Value | $358,720 |
| Average Home Value | $371,713 |
Housing Distribution
Address Breakdown
Residential
4,772
Single Family
4,492
Multi-Family
280
Businesses
315
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
