2518 County Road 39RutledgeMN55795
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing2518 County Road 39, Rutledge, MN, 55795 in Rutledge is a stable, well-positioned rental at $320,000. Rental yield 6.78%. DSCR 1.26 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $88,410 in value and $2,947/yr in principal paydown builds equity, a total projected return of $109,100.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 8.0% |
| Monthly Cash Flow | $(191) | $350 |
City averages based on Rutledge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,807 |
| Total Monthly Debt Service | $1,871 |
| DSCR Ratio | 0.97x |
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.
Manufactured
Built in 1998
37.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55795, Willow River, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 978 (100%) |
| Owner Occupied HU | 540 (55.2%) |
| Renter Occupied HU | 83 ( 8.5%) |
| Vacant Housing Units | 355 (36.3%) |
| Median Home Value | $256,383 |
| Average Home Value | $302,435 |
Housing Distribution
Address Breakdown
Residential
658
Single Family
658
Multi-Family
0
Businesses
36
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 1998
37.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55795, Willow River, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 978 (100%) |
| Owner Occupied HU | 540 (55.2%) |
| Renter Occupied HU | 83 ( 8.5%) |
| Vacant Housing Units | 355 (36.3%) |
| Median Home Value | $256,383 |
| Average Home Value | $302,435 |
Housing Distribution
Address Breakdown
Residential
658
Single Family
658
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stephanie Graves • Northern Lights Realty, LLC
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #6738715
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