2528 Center Island RdCookMN55723
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 2528 Center Island Rd, Cook, MN, 55723 in Cook at $439,000, 4.29% gross yield, is a market-growth asset. Rental yield 4.29%. The $1,571/mo rent partially funds the $1,974/mo debt service; the core return is the 5%/yr price growth projected to add $121,288 over five years. Ziffy Mortgage's DSCR mortgage (0.80) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $91,296.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.0% |
| Monthly Cash Flow | $(1,171) | $200 |
City averages based on Cook market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,571 |
| Total Monthly Debt Service | $2,567 |
| DSCR Ratio | 0.61x |
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 1940
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55723, Cook, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,349 (100%) |
| Owner Occupied HU | 944 (40.2%) |
| Renter Occupied HU | 134 ( 5.7%) |
| Vacant Housing Units | 1,271 (54.1%) |
| Median Home Value | $340,909 |
| Average Home Value | $403,183 |
Housing Distribution
Address Breakdown
Residential
1,094
Single Family
1,019
Multi-Family
75
Businesses
135
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 1940
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55723, Cook, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,349 (100%) |
| Owner Occupied HU | 944 (40.2%) |
| Renter Occupied HU | 134 ( 5.7%) |
| Vacant Housing Units | 1,271 (54.1%) |
| Median Home Value | $340,909 |
| Average Home Value | $403,183 |
Housing Distribution
Address Breakdown
Residential
1,094
Single Family
1,019
Multi-Family
75
Businesses
135
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chessica Olson • z' Up North Realty
Mls Name: Range AOR
Mls ID: #148223
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.