2002 Highway 27IsleMN56342
INVESTMENT ANALYSIS
Investment Verdict
Solid Income2002 Highway 27, Isle, MN, 56342 in Isle earns a respectable 8.21% gross yield at $340,000, but after the $1,529/mo mortgage the net cash flow is $180/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.34) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $93,936 over five years, making equity the dominant return driver. Total projected return: $124,475.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.1% |
| Monthly Cash Flow | $180 | $750 |
City averages based on Isle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,053 |
| Total Monthly Debt Service | $1,988 |
| DSCR Ratio | 1.03x |
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 1979
38.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56342, Isle, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,578 (100%) |
| Owner Occupied HU | 1,115 (43.3%) |
| Renter Occupied HU | 202 ( 7.8%) |
| Vacant Housing Units | 1,261 (48.9%) |
| Median Home Value | $326,908 |
| Average Home Value | $350,951 |
Housing Distribution
Address Breakdown
Residential
1,515
Single Family
1,515
Multi-Family
0
Businesses
117
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 1979
38.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56342, Isle, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,578 (100%) |
| Owner Occupied HU | 1,115 (43.3%) |
| Renter Occupied HU | 202 ( 7.8%) |
| Vacant Housing Units | 1,261 (48.9%) |
| Median Home Value | $326,908 |
| Average Home Value | $350,951 |
Housing Distribution
Address Breakdown
Residential
1,515
Single Family
1,515
Multi-Family
0
Businesses
117
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices