29060 W Shore LnPengillyMN55775
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 29060 W Shore Ln, Pengilly, MN, 55775 in Pengilly is capital appreciation. Rental yield 4.66%. The 4.66% gross yield at $575,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $158,862 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.86) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $130,663.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.5% |
| Monthly Cash Flow | $(1,360) | $500 |
City averages based on Pengilly market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,231 |
| Total Monthly Debt Service | $3,362 |
| DSCR Ratio | 0.66x |
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 1973
0.91 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
Single Family
Built in 1973
0.91 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