14490 Highway 12 NWKerkhovenMN56252
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 14490 Highway 12 NW, Kerkhoven, MN, 56252 in Kerkhoven, $400,000, 7.77% gross yield, $92/mo net income. Consider it a market-entry position, the $2,590/mo rent covers the $1,799/mo payment with a margin, and 5%/yr appreciation is projected to add $110,513 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.44) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $157,678.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.5% |
| Monthly Cash Flow | $92 | $450 |
City averages based on Kerkhoven market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,590 |
| Total Monthly Debt Service | $2,339 |
| DSCR Ratio | 1.11x |
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 2009
10.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56252, Kerkhoven, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 505 (100%) |
| Owner Occupied HU | 364 (72.1%) |
| Renter Occupied HU | 96 (19.0%) |
| Vacant Housing Units | 45 ( 8.9%) |
| Median Home Value | $201,299 |
| Average Home Value | $219,787 |
Housing Distribution
Address Breakdown
Residential
293
Single Family
279
Multi-Family
14
Businesses
37
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 2009
10.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56252, Kerkhoven, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 505 (100%) |
| Owner Occupied HU | 364 (72.1%) |
| Renter Occupied HU | 96 (19.0%) |
| Vacant Housing Units | 45 ( 8.9%) |
| Median Home Value | $201,299 |
| Average Home Value | $219,787 |
Housing Distribution
Address Breakdown
Residential
293
Single Family
279
Multi-Family
14
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
