194 Shetland LnLino LakesMN55014
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 194 Shetland Ln, Lino Lakes, MN, 55014 in Lino Lakes speaks for itself: 11.07% gross on a $299,500 price, generating $2,762/mo in rent and $512/mo in net income after the $1,347/mo debt service. DSCR 2.05, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,146 stacks alongside $82,746 in projected five-year appreciation and $2,758/yr in principal reduction. Projected total cumulative return: $171,020.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.5% |
| Monthly Cash Flow | $512 | $350 |
City averages based on Lino Lakes market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,762 |
| Total Monthly Debt Service | $1,751 |
| DSCR Ratio | 1.58x |
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.
Townhouse
Built in 2007
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55014, Circle Pines, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,108 (100%) |
| Owner Occupied HU | 8,988 (80.9%) |
| Renter Occupied HU | 1,623 (14.6%) |
| Vacant Housing Units | 497 ( 4.5%) |
| Median Home Value | $383,530 |
| Average Home Value | $412,228 |
Housing Distribution
Address Breakdown
Residential
10,939
Single Family
9,780
Multi-Family
1,159
Businesses
526
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
Townhouse
Built in 2007
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55014, Circle Pines, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,108 (100%) |
| Owner Occupied HU | 8,988 (80.9%) |
| Renter Occupied HU | 1,623 (14.6%) |
| Vacant Housing Units | 497 ( 4.5%) |
| Median Home Value | $383,530 |
| Average Home Value | $412,228 |
Housing Distribution
Address Breakdown
Residential
10,939
Single Family
9,780
Multi-Family
1,159
Businesses
526
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Myra R Jensen • BRIX Real Estate
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7024210