308 SE Oak StBrownsdaleMN55918
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 308 SE Oak St, Brownsdale, MN, 55918 in Brownsdale worth study. Rental yield 3.59%. The 3.59% gross yield is below cash-flow benchmarks at $254,900, but 5% annual appreciation, adding $70,424 over five years, frames this as a capital growth position. Rent of $762/mo partially offsets the $1,146/mo payment. Ziffy Mortgage finances appreciation-play properties (0.66 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $43,335.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.5% |
| Monthly Cash Flow | $(830) | $350 |
City averages based on Brownsdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $762 |
| Total Monthly Debt Service | $1,490 |
| DSCR Ratio | 0.51x |
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 1978
9,060 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55918, Brownsdale, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 447 (100%) |
| Owner Occupied HU | 352 (78.7%) |
| Renter Occupied HU | 51 (11.4%) |
| Vacant Housing Units | 44 ( 9.8%) |
| Median Home Value | $276,563 |
| Average Home Value | $304,872 |
Housing Distribution
Address Breakdown
Residential
258
Single Family
213
Multi-Family
45
Businesses
27
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 1978
9,060 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55918, Brownsdale, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 447 (100%) |
| Owner Occupied HU | 352 (78.7%) |
| Renter Occupied HU | 51 (11.4%) |
| Vacant Housing Units | 44 ( 9.8%) |
| Median Home Value | $276,563 |
| Average Home Value | $304,872 |
Housing Distribution
Address Breakdown
Residential
258
Single Family
213
Multi-Family
45
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Delhanty • Dwell Realty Group LLC
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7014298