20505 County Road 10DeerwoodMN56444
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 20505 County Road 10, Deerwood, MN, 56444 in Deerwood is narrow, $100/mo net on $1,442/mo rent after the $966/mo debt service, but the property operates at break-even-plus, not a loss. At $214,900 with a 8.05% yield, the long-run equity case via 5% appreciation ($59,373 over five years) and $1,979/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $88,004.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $100 | $500 |
City averages based on Deerwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,442 |
| Total Monthly Debt Service | $1,256 |
| DSCR Ratio | 1.15x |
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.
Manufactured
Built in 2003
2.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56444, Deerwood, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,890 (100%) |
| Owner Occupied HU | 1,232 (42.6%) |
| Renter Occupied HU | 223 ( 7.7%) |
| Vacant Housing Units | 1,435 (49.7%) |
| Median Home Value | $471,304 |
| Average Home Value | $558,691 |
Housing Distribution
Address Breakdown
Residential
1,707
Single Family
1,680
Multi-Family
27
Businesses
105
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 2003
2.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56444, Deerwood, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,890 (100%) |
| Owner Occupied HU | 1,232 (42.6%) |
| Renter Occupied HU | 223 ( 7.7%) |
| Vacant Housing Units | 1,435 (49.7%) |
| Median Home Value | $471,304 |
| Average Home Value | $558,691 |
Housing Distribution
Address Breakdown
Residential
1,707
Single Family
1,680
Multi-Family
27
Businesses
105
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices