3653 County Road 7 SWKensingtonMN56343
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.23% gross rental yield, 3653 County Road 7 SW, Kensington, MN, 56343 in Kensington is priced for capital growth, not immediate cash flow. The $450,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $124,327 by year five, with $3,772/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.92) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $107,682.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 8.0% |
| Monthly Cash Flow | $(849) | $450 |
City averages based on Kensington 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 | $1,961 |
| Total Monthly Debt Service | $2,741 |
| DSCR Ratio | 0.72x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1972
38.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56343, Kensington, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 492 (100%) |
| Owner Occupied HU | 339 (68.9%) |
| Renter Occupied HU | 42 ( 8.5%) |
| Vacant Housing Units | 111 (22.6%) |
| Median Home Value | $345,513 |
| Average Home Value | $380,501 |
Housing Distribution
Address Breakdown
Residential
307
Single Family
307
Multi-Family
0
Businesses
32
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #7152311
