2031 E 20th StZumbrotaMN55992
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 2031 E 20th St, Zumbrota, MN, 55992 in Zumbrota speaks for itself: 10.14% gross on a $324,900 price, generating $2,746/mo in rent and $602/mo in net income after the $1,461/mo debt service. DSCR 1.88, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,221 stacks alongside $89,764 in projected five-year appreciation and $2,992/yr in principal reduction. Projected total cumulative return: $169,461.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $602 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,746 |
| Total Monthly Debt Service | $1,900 |
| DSCR Ratio | 1.45x |
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 2025
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55992, Zumbrota, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,264 (100%) |
| Owner Occupied HU | 1,762 (77.8%) |
| Renter Occupied HU | 388 (17.1%) |
| Vacant Housing Units | 114 ( 5.0%) |
| Median Home Value | $331,343 |
| Average Home Value | $362,565 |
Housing Distribution
Address Breakdown
Residential
2,223
Single Family
2,106
Multi-Family
117
Businesses
180
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 2025
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55992, Zumbrota, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,264 (100%) |
| Owner Occupied HU | 1,762 (77.8%) |
| Renter Occupied HU | 388 (17.1%) |
| Vacant Housing Units | 114 ( 5.0%) |
| Median Home Value | $331,343 |
| Average Home Value | $362,565 |
Housing Distribution
Address Breakdown
Residential
2,223
Single Family
2,106
Multi-Family
117
Businesses
180
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices