10669 74th St NEOtsegoMN55301
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 10669 74th St NE, Otsego, MN, 55301 in Otsego achieves a 1.60 ratio at $374,500: $2,686/mo rent versus $1,684/mo debt service. Rental yield 8.61%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.61% yield compounds alongside 5% annual appreciation projecting $103,467 in value. Total projected cumulative return: $164,472.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.2% |
| Monthly Cash Flow | $(12) | $350 |
City averages based on Otsego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,686 |
| Total Monthly Debt Service | $2,190 |
| DSCR Ratio | 1.23x |
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.
Townhouse
Built in 2021
1,437 sqft 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
Townhouse
Built in 2021
1,437 sqft 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