16241 Rutledge RdFinlaysonMN55735
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 16241 Rutledge Rd, Finlayson, MN, 55735 in Finlayson worth study. Rental yield 4.8%. The 4.8% gross yield is below cash-flow benchmarks at $391,000, but 5% annual appreciation, adding $108,026 over five years, frames this as a capital growth position. Rent of $1,562/mo partially offsets the $1,758/mo payment. Ziffy Mortgage finances appreciation-play properties (0.89 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $91,806.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 7.5% |
| Monthly Cash Flow | $(879) | $550 |
City averages based on Finlayson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,562 |
| Total Monthly Debt Service | $2,286 |
| DSCR Ratio | 0.68x |
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 2001
80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55735, Finlayson, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,561 (100%) |
| Owner Occupied HU | 757 (48.5%) |
| Renter Occupied HU | 97 ( 6.2%) |
| Vacant Housing Units | 707 (45.3%) |
| Median Home Value | $274,053 |
| Average Home Value | $303,015 |
Housing Distribution
Address Breakdown
Residential
815
Single Family
804
Multi-Family
11
Businesses
38
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 2001
80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55735, Finlayson, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,561 (100%) |
| Owner Occupied HU | 757 (48.5%) |
| Renter Occupied HU | 97 ( 6.2%) |
| Vacant Housing Units | 707 (45.3%) |
| Median Home Value | $274,053 |
| Average Home Value | $303,015 |
Housing Distribution
Address Breakdown
Residential
815
Single Family
804
Multi-Family
11
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices