19009 236th Ave NWBig LakeMN55309
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 19009 236th Ave NW, Big Lake, MN, 55309 in Big Lake is narrow, $102/mo net on $3,848/mo rent after the $2,698/mo debt service, but the property operates at break-even-plus, not a loss. At $599,900 with a 7.7% yield, the long-run equity case via 5% appreciation ($165,741 over five years) and $5,525/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $234,192.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.1% |
| Monthly Cash Flow | $102 | $350 |
City averages based on Big Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,848 |
| Total Monthly Debt Service | $3,507 |
| 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 2005
2.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55309, Big Lake, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,064 (100%) |
| Owner Occupied HU | 6,483 (80.4%) |
| Renter Occupied HU | 1,017 (12.6%) |
| Vacant Housing Units | 564 ( 7.0%) |
| Median Home Value | $353,012 |
| Average Home Value | $388,552 |
Housing Distribution
Address Breakdown
Residential
7,870
Single Family
6,967
Multi-Family
903
Businesses
391
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 2005
2.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55309, Big Lake, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,064 (100%) |
| Owner Occupied HU | 6,483 (80.4%) |
| Renter Occupied HU | 1,017 (12.6%) |
| Vacant Housing Units | 564 ( 7.0%) |
| Median Home Value | $353,012 |
| Average Home Value | $388,552 |
Housing Distribution
Address Breakdown
Residential
7,870
Single Family
6,967
Multi-Family
903
Businesses
391
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices