20965 S Lakeshore Dr #12GlenwoodMN56334
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 20965 S Lakeshore Dr #12, Glenwood, MN, 56334 in Glenwood at $114,900 earns $1,214/mo in rent and nets $147/mo after the $517/mo payment, a 12.68% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $31,745 over five years. Ziffy Mortgage underwrites this on a 2.35 DSCR without U.S. credit history. With $1,058/yr in principal paydown, total projected return reaches $54,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.7% | 8.0% |
| Monthly Cash Flow | $147 | $450 |
City averages based on Glenwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,214 |
| Total Monthly Debt Service | $1,022 |
| DSCR Ratio | 1.19x |
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 2014
N/A lot
$N/A/sqft
$4,200 annually HOA
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 2014
N/A lot
$N/A/sqft
$4,200 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices