38868 Twilight RdOnamiaMN56359
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 38868 Twilight Rd, Onamia, MN, 56359 in Onamia is listed at $319,000 and delivers $2,555/mo in rent and $563/mo in net monthly cash flow. The 9.61% yield and 1.78 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $88,134 over five years, and $2,938/yr in principal reduction supplements cash return. Total projected cumulative return: $157,323.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.5% |
| Monthly Cash Flow | $563 | $650 |
City averages based on Onamia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,555 |
| Total Monthly Debt Service | $1,865 |
| DSCR Ratio | 1.37x |
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 1991
19.06 Acres lot
$N/A/sqft
No HOA
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 1991
19.06 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices