13330 Isanti St NEHam LakeMN55304
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Ham Lake rental at 13330 Isanti St NE, Ham Lake, MN, 55304 sits in the solid-income band: 8.53% gross yield, $3,020/mo rent, $366/mo net after the $2,015/mo debt service, DSCR 1.50. Entry price of $425,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $117,420 and $3,563/yr in principal reduction bring total cumulative return to $176,845.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.5% |
| Monthly Cash Flow | $366 | $350 |
City averages based on Ham Lake market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,020 |
| Total Monthly Debt Service | $2,588 |
| DSCR Ratio | 1.17x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1986
0.55 Acres lot
$N/A/sqft
No HOA
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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
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