1303 Ridge RdMotleyMN56466
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 1303 Ridge Rd, Motley, MN, 56466 in Motley at $474,900, 2.04% gross yield, is a market-growth asset. Rental yield 2.04%. The $806/mo rent partially funds the $2,135/mo debt service; the core return is the 5%/yr price growth projected to add $131,206 over five years. Ziffy Mortgage's DSCR mortgage (0.38) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $41,249.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 5.5% |
| Monthly Cash Flow | $(2,159) | $600 |
City averages based on Motley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $806 |
| Total Monthly Debt Service | $2,777 |
| DSCR Ratio | 0.29x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1995
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56466, Motley, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,260 (100%) |
| Owner Occupied HU | 1,135 (50.2%) |
| Renter Occupied HU | 290 (12.8%) |
| Vacant Housing Units | 835 (36.9%) |
| Median Home Value | $308,454 |
| Average Home Value | $349,231 |
Housing Distribution
Address Breakdown
Residential
1,503
Single Family
1,444
Multi-Family
59
Businesses
74
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 1995
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56466, Motley, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,260 (100%) |
| Owner Occupied HU | 1,135 (50.2%) |
| Renter Occupied HU | 290 (12.8%) |
| Vacant Housing Units | 835 (36.9%) |
| Median Home Value | $308,454 |
| Average Home Value | $349,231 |
Housing Distribution
Address Breakdown
Residential
1,503
Single Family
1,444
Multi-Family
59
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices