22402 S Shore DrEmilyMN56447
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 22402 S Shore Dr, Emily, MN, 56447 in Emily. Rental yield 4.59%. At $750,000 with 4.59% gross yield, current distributions are modest, but the 5% appreciation rate projects $207,211 in new equity by year five, complemented by $6,908/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.85) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $167,848.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.0% |
| Monthly Cash Flow | $(1,814) | $250 |
City averages based on Emily market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,869 |
| Total Monthly Debt Service | $4,385 |
| DSCR Ratio | 0.65x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1990
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56447, Emily, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,295 (100%) |
| Owner Occupied HU | 445 (34.4%) |
| Renter Occupied HU | 38 ( 2.9%) |
| Vacant Housing Units | 812 (62.7%) |
| Median Home Value | $433,173 |
| Average Home Value | $497,264 |
Housing Distribution
Address Breakdown
Residential
565
Single Family
565
Multi-Family
0
Businesses
45
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 1990
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56447, Emily, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,295 (100%) |
| Owner Occupied HU | 445 (34.4%) |
| Renter Occupied HU | 38 ( 2.9%) |
| Vacant Housing Units | 812 (62.7%) |
| Median Home Value | $433,173 |
| Average Home Value | $497,264 |
Housing Distribution
Address Breakdown
Residential
565
Single Family
565
Multi-Family
0
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices