1915 Rosewood DrOwatonnaMN55060
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 1915 Rosewood Dr, Owatonna, MN, 55060 in Owatonna clears it at 1.77, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.57%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $30,253; $1,009/yr in principal equity; total projected return: $32,801.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.0% |
| Monthly Cash Flow | $(161) | $350 |
City averages based on Owatonna market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $873 |
| Total Monthly Debt Service | $990 |
| DSCR Ratio | 0.88x |
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.
Manufactured
Built in 1996
1,568 sqft lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55060, Owatonna, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,775 (100%) |
| Owner Occupied HU | 8,880 (69.5%) |
| Renter Occupied HU | 3,208 (25.1%) |
| Vacant Housing Units | 687 ( 5.4%) |
| Median Home Value | $270,032 |
| Average Home Value | $312,015 |
Housing Distribution
Address Breakdown
Residential
12,408
Single Family
10,414
Multi-Family
1,994
Businesses
1,010
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
Manufactured
Built in 1996
1,568 sqft lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55060, Owatonna, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,775 (100%) |
| Owner Occupied HU | 8,880 (69.5%) |
| Renter Occupied HU | 3,208 (25.1%) |
| Vacant Housing Units | 687 ( 5.4%) |
| Median Home Value | $270,032 |
| Average Home Value | $312,015 |
Housing Distribution
Address Breakdown
Residential
12,408
Single Family
10,414
Multi-Family
1,994
Businesses
1,010
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices