20710 Oakdale RdUnderwoodMN56586
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 20710 Oakdale Rd, Underwood, MN, 56586 in Underwood speaks for itself: 12.39% gross on a $147,000 price, generating $1,518/mo in rent and $600/mo in net income after the $661/mo debt service. DSCR 2.30, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,201 stacks alongside $40,613 in projected five-year appreciation and $1,354/yr in principal reduction. Projected total cumulative return: $94,411.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 6.2% |
| Monthly Cash Flow | $600 | $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 | $1,518 |
| Total Monthly Debt Service | $859 |
| DSCR Ratio | 1.77x |
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.
Lot
Built in N/A
7.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56586, Underwood, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,465 (100%) |
| Owner Occupied HU | 809 (55.2%) |
| Renter Occupied HU | 101 ( 6.9%) |
| Vacant Housing Units | 555 (37.9%) |
| Median Home Value | $384,783 |
| Average Home Value | $447,274 |
Housing Distribution
Address Breakdown
Residential
951
Single Family
931
Multi-Family
20
Businesses
48
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
Lot
Built in N/A
7.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56586, Underwood, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,465 (100%) |
| Owner Occupied HU | 809 (55.2%) |
| Renter Occupied HU | 101 ( 6.9%) |
| Vacant Housing Units | 555 (37.9%) |
| Median Home Value | $384,783 |
| Average Home Value | $447,274 |
Housing Distribution
Address Breakdown
Residential
951
Single Family
931
Multi-Family
20
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices