105 E Lake LANEColgateWI53017
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 105 E Lake LANE, Colgate, WI, 53017 in Colgate worth study. Rental yield 3.09%. The 3.09% gross yield is below cash-flow benchmarks at $1,375,000, but 5% annual appreciation, adding $379,887 over five years, frames this as a capital growth position. Rent of $3,544/mo partially offsets the $6,518/mo payment. Ziffy Mortgage finances appreciation-play properties (0.54 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $132,922.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.2% |
| Monthly Cash Flow | $(5,688) | $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 | $3,544 |
| Total Monthly Debt Service | $9,016 |
| DSCR Ratio | 0.39x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1989
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53017, Colgate, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,212 (100%) |
| Owner Occupied HU | 2,062 (93.2%) |
| Renter Occupied HU | 109 ( 4.9%) |
| Vacant Housing Units | 41 ( 1.9%) |
| Median Home Value | $534,928 |
| Average Home Value | $563,984 |
Housing Distribution
Address Breakdown
Residential
2,208
Single Family
2,208
Multi-Family
0
Businesses
26
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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
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