14125 Island Lake Rd ELengbyMN56651
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 14125 Island Lake Rd E, Lengby, MN, 56651 in Lengby is capital appreciation. Rental yield 5.76%. The 5.76% gross yield at $389,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $107,722 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.07) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $111,761.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 7.2% |
| Monthly Cash Flow | $(563) | $350 |
City averages based on Lengby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,872 |
| Total Monthly Debt Service | $2,280 |
| DSCR Ratio | 0.82x |
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 1985
5,445 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56651, Lengby, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 370 (100%) |
| Owner Occupied HU | 161 (43.5%) |
| Renter Occupied HU | 36 ( 9.7%) |
| Vacant Housing Units | 173 (46.8%) |
| Median Home Value | $269,000 |
| Average Home Value | $278,432 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
332
Multi-Family
0
Businesses
12
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 1985
5,445 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56651, Lengby, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 370 (100%) |
| Owner Occupied HU | 161 (43.5%) |
| Renter Occupied HU | 36 ( 9.7%) |
| Vacant Housing Units | 173 (46.8%) |
| Median Home Value | $269,000 |
| Average Home Value | $278,432 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
332
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices