2799 Highway 65MoraMN55051
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2799 Highway 65, Mora, MN, 55051 in Mora is capital appreciation. Rental yield 5.27%. The 5.27% gross yield at $495,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $136,759 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.98) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $128,669.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 7.0% |
| Monthly Cash Flow | $(919) | $500 |
City averages based on Mora market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,172 |
| Total Monthly Debt Service | $2,894 |
| DSCR Ratio | 0.75x |
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 1970
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55051, Mora, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,942 (100%) |
| Owner Occupied HU | 3,253 (65.8%) |
| Renter Occupied HU | 971 (19.6%) |
| Vacant Housing Units | 718 (14.5%) |
| Median Home Value | $247,320 |
| Average Home Value | $283,349 |
Housing Distribution
Address Breakdown
Residential
4,466
Single Family
4,091
Multi-Family
375
Businesses
317
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 1970
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55051, Mora, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,942 (100%) |
| Owner Occupied HU | 3,253 (65.8%) |
| Renter Occupied HU | 971 (19.6%) |
| Vacant Housing Units | 718 (14.5%) |
| Median Home Value | $247,320 |
| Average Home Value | $283,349 |
Housing Distribution
Address Breakdown
Residential
4,466
Single Family
4,091
Multi-Family
375
Businesses
317
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices