10170 Utah Ave SBloomingtonMN55438
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 10170 Utah Ave S, Bloomington, MN, 55438 in Bloomington. Priced at $319,900, it generates $2,772/mo in gross rent and $774/mo in net monthly cash flow, a 10.4% yield that comfortably supports the 1.93 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,293. Five-year appreciation: $88,382. Equity from principal paydown: $2,946/yr. Total projected cumulative return: $171,275.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 5.2% |
| Monthly Cash Flow | $774 | $450 |
City averages based on Bloomington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,772 |
| Total Monthly Debt Service | $1,870 |
| DSCR Ratio | 1.48x |
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 1980
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55438, Minneapolis, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,810 (100%) |
| Owner Occupied HU | 5,444 (69.7%) |
| Renter Occupied HU | 1,909 (24.4%) |
| Vacant Housing Units | 457 ( 5.9%) |
| Median Home Value | $492,032 |
| Average Home Value | $545,876 |
Housing Distribution
Address Breakdown
Residential
7,806
Single Family
5,731
Multi-Family
2,075
Businesses
318
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 1980
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55438, Minneapolis, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,810 (100%) |
| Owner Occupied HU | 5,444 (69.7%) |
| Renter Occupied HU | 1,909 (24.4%) |
| Vacant Housing Units | 457 ( 5.9%) |
| Median Home Value | $492,032 |
| Average Home Value | $545,876 |
Housing Distribution
Address Breakdown
Residential
7,806
Single Family
5,731
Multi-Family
2,075
Businesses
318
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: The Huerkamp Home Group • Keller Williams Preferred Rlty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6794651