14361 Embassy WayApple ValleyMN55124
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.95% yield at 14361 Embassy Way, Apple Valley, MN, 55124 in Apple Valley is solid, but the $1,551/mo payment compresses net cash flow to $131/mo at $344,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $95,290 by year five, and $3,177/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.47) without U.S. income documentation. Total projected return: $118,512.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.5% |
| Monthly Cash Flow | $131 | $850 |
City averages based on Apple Valley 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 | $2,285 |
| Total Monthly Debt Service | $2,364 |
| DSCR Ratio | 0.97x |
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.
Townhouse
Built in 1992
3,049 sqft lot
$N/A/sqft
$347 monthly 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
Townhouse
Built in 1992
3,049 sqft lot
$N/A/sqft
$347 monthly 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: Patricia Schmidt-Iverson • Coldwell Banker Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #6744605
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