1795 105th St SWRaymondMN56282
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1795 105th St SW, Raymond, MN, 56282 in Raymond at $394,400 earns $2,537/mo in rent and nets $74/mo after the $1,773/mo payment, a 7.72% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $108,965 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $3,632/yr in principal paydown, total projected return reaches $154,471.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.5% |
| Monthly Cash Flow | $74 | $1,200 |
City averages based on Raymond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,537 |
| Total Monthly Debt Service | $2,306 |
| DSCR Ratio | 1.10x |
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 1970
2.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56282, Raymond, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 649 (100%) |
| Owner Occupied HU | 476 (73.3%) |
| Renter Occupied HU | 107 (16.5%) |
| Vacant Housing Units | 66 (10.2%) |
| Median Home Value | $267,969 |
| Average Home Value | $330,609 |
Housing Distribution
Address Breakdown
Residential
506
Single Family
480
Multi-Family
26
Businesses
31
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 1970
2.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56282, Raymond, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 649 (100%) |
| Owner Occupied HU | 476 (73.3%) |
| Renter Occupied HU | 107 (16.5%) |
| Vacant Housing Units | 66 (10.2%) |
| Median Home Value | $267,969 |
| Average Home Value | $330,609 |
Housing Distribution
Address Breakdown
Residential
506
Single Family
480
Multi-Family
26
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices