1057 Kettle Creek RdEaganMN55123
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1057 Kettle Creek Rd, Eagan, MN, 55123 in Eagan is narrow, $120/mo net on $2,484/mo rent after the $1,702/mo debt service, but the property operates at break-even-plus, not a loss. At $378,500 with a 7.88% yield, the long-run equity case via 5% appreciation ($104,573 over five years) and $3,486/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $151,410.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.8% |
| Monthly Cash Flow | $120 | $1,850 |
City averages based on Eagan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,484 |
| Total Monthly Debt Service | $2,213 |
| DSCR Ratio | 1.12x |
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 1986
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55123, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,212 (100%) |
| Owner Occupied HU | 7,830 (76.7%) |
| Renter Occupied HU | 2,246 (22.0%) |
| Vacant Housing Units | 136 ( 1.3%) |
| Median Home Value | $483,797 |
| Average Home Value | $520,606 |
Housing Distribution
Address Breakdown
Residential
10,284
Single Family
8,985
Multi-Family
1,299
Businesses
248
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 1986
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55123, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,212 (100%) |
| Owner Occupied HU | 7,830 (76.7%) |
| Renter Occupied HU | 2,246 (22.0%) |
| Vacant Housing Units | 136 ( 1.3%) |
| Median Home Value | $483,797 |
| Average Home Value | $520,606 |
Housing Distribution
Address Breakdown
Residential
10,284
Single Family
8,985
Multi-Family
1,299
Businesses
248
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices