34680 Kale LnNorth BranchMN55056
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 34680 Kale Ln, North Branch, MN, 55056 in North Branch is narrow, $26/mo net on $2,836/mo rent after the $2,023/mo debt service, but the property operates at break-even-plus, not a loss. At $450,000 with a 7.56% yield, the long-run equity case via 5% appreciation ($124,327 over five years) and $4,145/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $172,452.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 7.2% |
| Monthly Cash Flow | $26 | $350 |
City averages based on North Branch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,836 |
| Total Monthly Debt Service | $2,631 |
| DSCR Ratio | 1.08x |
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 2000
5.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55056, North Branch, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,023 (100%) |
| Owner Occupied HU | 5,048 (83.8%) |
| Renter Occupied HU | 744 (12.4%) |
| Vacant Housing Units | 231 ( 3.8%) |
| Median Home Value | $344,979 |
| Average Home Value | $379,715 |
Housing Distribution
Address Breakdown
Residential
5,878
Single Family
5,217
Multi-Family
661
Businesses
335
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 2000
5.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55056, North Branch, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,023 (100%) |
| Owner Occupied HU | 5,048 (83.8%) |
| Renter Occupied HU | 744 (12.4%) |
| Vacant Housing Units | 231 ( 3.8%) |
| Median Home Value | $344,979 |
| Average Home Value | $379,715 |
Housing Distribution
Address Breakdown
Residential
5,878
Single Family
5,217
Multi-Family
661
Businesses
335
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy C. Piccott • Counselor Realty, Inc
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7016684