31 Birch DrEskoMN55733
INVESTMENT ANALYSIS
Investment Verdict
Solid Income31 Birch Dr, Esko, MN, 55733 in Esko is a solid income-producing rental, 9.29% gross yield, $2,711/mo rent, $525/mo net cash flow on a $350,000 buy. DSCR 1.72 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $96,699 and $3,224/yr in principal reduction project a total cumulative return of $166,627.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.5% |
| Monthly Cash Flow | $525 | $850 |
City averages based on Esko market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,711 |
| Total Monthly Debt Service | $2,046 |
| DSCR Ratio | 1.32x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1969
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55733, Esko, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,053 (100%) |
| Owner Occupied HU | 1,883 (91.7%) |
| Renter Occupied HU | 118 ( 5.7%) |
| Vacant Housing Units | 52 ( 2.5%) |
| Median Home Value | $355,523 |
| Average Home Value | $379,914 |
Housing Distribution
Address Breakdown
Residential
1,808
Single Family
1,786
Multi-Family
22
Businesses
84
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 1969
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55733, Esko, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,053 (100%) |
| Owner Occupied HU | 1,883 (91.7%) |
| Renter Occupied HU | 118 ( 5.7%) |
| Vacant Housing Units | 52 ( 2.5%) |
| Median Home Value | $355,523 |
| Average Home Value | $379,914 |
Housing Distribution
Address Breakdown
Residential
1,808
Single Family
1,786
Multi-Family
22
Businesses
84
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Josh Kalligher • RE/MAX Results
Mls Name: Lake Superior Area Realtors
Mls Provider:
Mls ID: #6121333
Disclaimer: Information is supplied by seller and other third parties and has not been verified. Open House information is subject to change without notice. Copyright 2025 Lake Superior Area REALTORS, Inc.® MLS All Rights Reserved.