12439 Drayton TrlApple ValleyMN55124
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 12439 Drayton Trl, Apple Valley, MN, 55124 in Apple Valley fits: $594,000, 5.58% gross yield, and a projected 5% annual appreciation rate adding $164,111 in value within five years. Rental yield 5.58%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.33) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,471/yr in principal paydown and $164,111 in appreciation project a total return of $215,886.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.5% |
| Monthly Cash Flow | $(1,264) | $850 |
City averages based on Apple Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,561 |
| Total Monthly Debt Service | $3,473 |
| DSCR Ratio | 1.03x |
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 2025
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55124, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,596 (100%) |
| Owner Occupied HU | 16,067 (71.1%) |
| Renter Occupied HU | 5,796 (25.7%) |
| Vacant Housing Units | 733 ( 3.2%) |
| Median Home Value | $419,093 |
| Average Home Value | $444,563 |
Housing Distribution
Address Breakdown
Residential
22,876
Single Family
18,139
Multi-Family
4,737
Businesses
1,102
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 2025
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55124, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,596 (100%) |
| Owner Occupied HU | 16,067 (71.1%) |
| Renter Occupied HU | 5,796 (25.7%) |
| Vacant Housing Units | 733 ( 3.2%) |
| Median Home Value | $419,093 |
| Average Home Value | $444,563 |
Housing Distribution
Address Breakdown
Residential
22,876
Single Family
18,139
Multi-Family
4,737
Businesses
1,102
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Phetsamone Ekholm • Robert Thomas Homes, Inc.
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6714162