14919 Cedardale RdPaynesvilleMN56362
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 14919 Cedardale Rd, Paynesville, MN, 56362 in Paynesville at $588,000, 5.4% gross yield, is a market-growth asset. Rental yield 5.4%. The $2,647/mo rent partially funds the $2,644/mo debt service; the core return is the 5%/yr price growth projected to add $162,454 over five years. Ziffy Mortgage's DSCR mortgage (1.00) 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: $157,204.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.0% |
| Monthly Cash Flow | $(1,025) | $1,100 |
City averages based on Paynesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,647 |
| Total Monthly Debt Service | $3,438 |
| DSCR Ratio | 0.77x |
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 1978
4.70 Acres lot
$N/A/sqft
No HOA
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 1978
4.70 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Justin Paffrath • Edina Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6809393