1126 Valley View RdLake CityMN55041
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1126 Valley View Rd, Lake City, MN, 55041 in Lake City. At $398,900 it earns $2,750/mo in rent and distributes $259/mo to the owner after the $1,794/mo payment, a consistent 8.27% yield. DSCR 1.53 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $110,209 in value; $3,674/yr in principal paydown compounds ownership stake. Total projected return: $168,032.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $259 | $450 |
City averages based on Lake City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,750 |
| Total Monthly Debt Service | $2,332 |
| DSCR Ratio | 1.18x |
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 1993
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55041, Lake City, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,052 (100%) |
| Owner Occupied HU | 2,758 (68.1%) |
| Renter Occupied HU | 660 (16.3%) |
| Vacant Housing Units | 634 (15.6%) |
| Median Home Value | $329,484 |
| Average Home Value | $356,927 |
Housing Distribution
Address Breakdown
Residential
3,700
Single Family
3,279
Multi-Family
421
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 1993
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55041, Lake City, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,052 (100%) |
| Owner Occupied HU | 2,758 (68.1%) |
| Renter Occupied HU | 660 (16.3%) |
| Vacant Housing Units | 634 (15.6%) |
| Median Home Value | $329,484 |
| Average Home Value | $356,927 |
Housing Distribution
Address Breakdown
Residential
3,700
Single Family
3,279
Multi-Family
421
Businesses
248
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices