28228 S Swan Lake RdPengillyMN55775
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 28228 S Swan Lake Rd, Pengilly, MN, 55775 in Pengilly fits: $481,000, 5.73% gross yield, and a projected 5% annual appreciation rate adding $132,891 in value within five years. Rental yield 5.73%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.06) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,430/yr in principal paydown and $132,891 in appreciation project a total return of $136,984.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 5.5% |
| Monthly Cash Flow | $(708) | $500 |
City averages based on Pengilly market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,296 |
| Total Monthly Debt Service | $2,812 |
| DSCR Ratio | 0.82x |
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.
Condo
Built in 2002
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55775, Pengilly, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 737 (100%) |
| Owner Occupied HU | 475 (64.5%) |
| Renter Occupied HU | 50 ( 6.8%) |
| Vacant Housing Units | 212 (28.8%) |
| Median Home Value | $293,214 |
| Average Home Value | $344,932 |
Housing Distribution
Address Breakdown
Residential
471
Single Family
471
Multi-Family
0
Businesses
12
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
Condo
Built in 2002
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55775, Pengilly, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 737 (100%) |
| Owner Occupied HU | 475 (64.5%) |
| Renter Occupied HU | 50 ( 6.8%) |
| Vacant Housing Units | 212 (28.8%) |
| Median Home Value | $293,214 |
| Average Home Value | $344,932 |
Housing Distribution
Address Breakdown
Residential
471
Single Family
471
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lee Zieske • Johnson Hometown Realty
Mls Name: Range AOR
Mls ID: #148526
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.