421 Lowry Ct NWRochesterMN55901
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 421 Lowry Ct NW, Rochester, MN, 55901 in Rochester: $3,792/mo in rent, $327/mo in net income, 8.2% gross yield, 1.52 DSCR, all at $554,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $153,309 in appreciation and $5,111/yr in principal paydown projects total cumulative return of $231,583.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.0% |
| Monthly Cash Flow | $327 | $1,500 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,792 |
| Total Monthly Debt Service | $3,244 |
| DSCR Ratio | 1.17x |
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 1976
2.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55901, Rochester, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,737 (100%) |
| Owner Occupied HU | 15,386 (57.5%) |
| Renter Occupied HU | 9,779 (36.6%) |
| Vacant Housing Units | 1,572 ( 5.9%) |
| Median Home Value | $346,339 |
| Average Home Value | $386,451 |
Housing Distribution
Address Breakdown
Residential
25,073
Single Family
19,103
Multi-Family
5,970
Businesses
1,299
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 1976
2.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55901, Rochester, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,737 (100%) |
| Owner Occupied HU | 15,386 (57.5%) |
| Renter Occupied HU | 9,779 (36.6%) |
| Vacant Housing Units | 1,572 ( 5.9%) |
| Median Home Value | $346,339 |
| Average Home Value | $386,451 |
Housing Distribution
Address Breakdown
Residential
25,073
Single Family
19,103
Multi-Family
5,970
Businesses
1,299
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices