10897 Country LnBrainerdMN56401
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 10897 Country Ln, Brainerd, MN, 56401 in Brainerd hard to pass up. The 11.79% gross yield on a $539,900 purchase results in $5,305/mo in rent and $1,934/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.18). Annual cash flow of $23,205, five-year appreciation of $149,164, and $4,973/yr in equity build-up combine for a projected total cumulative return of $329,317.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 8.0% |
| Monthly Cash Flow | $1,934 | $800 |
City averages based on Brainerd market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,305 |
| Total Monthly Debt Service | $3,157 |
| DSCR Ratio | 1.68x |
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 1996
2.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56401, Brainerd, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,322 (100%) |
| Owner Occupied HU | 9,656 (59.2%) |
| Renter Occupied HU | 3,772 (23.1%) |
| Vacant Housing Units | 2,894 (17.7%) |
| Median Home Value | $360,289 |
| Average Home Value | $419,575 |
Housing Distribution
Address Breakdown
Residential
14,110
Single Family
13,067
Multi-Family
1,043
Businesses
1,192
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 1996
2.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56401, Brainerd, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,322 (100%) |
| Owner Occupied HU | 9,656 (59.2%) |
| Renter Occupied HU | 3,772 (23.1%) |
| Vacant Housing Units | 2,894 (17.7%) |
| Median Home Value | $360,289 |
| Average Home Value | $419,575 |
Housing Distribution
Address Breakdown
Residential
14,110
Single Family
13,067
Multi-Family
1,043
Businesses
1,192
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices