4520 Vermilion TrlGILBERTMN55741
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing4520 Vermilion Trl, GILBERT, MN, 55741 in GILBERT is a stable, well-positioned rental at $598,500. Rental yield 6.42%. DSCR 1.19 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $165,355 in value and $5,512/yr in principal paydown builds equity, a total projected return of $192,764.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.1% |
| Monthly Cash Flow | $(535) | $220 |
City averages based on GILBERT market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,203 |
| Total Monthly Debt Service | $3,499 |
| DSCR Ratio | 0.92x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1978
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55741, Gilbert, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,775 (100%) |
| Owner Occupied HU | 1,247 (70.3%) |
| Renter Occupied HU | 204 (11.5%) |
| Vacant Housing Units | 324 (18.3%) |
| Median Home Value | $258,913 |
| Average Home Value | $279,970 |
Housing Distribution
Address Breakdown
Residential
977
Single Family
977
Multi-Family
0
Businesses
70
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 1978
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55741, Gilbert, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,775 (100%) |
| Owner Occupied HU | 1,247 (70.3%) |
| Renter Occupied HU | 204 (11.5%) |
| Vacant Housing Units | 324 (18.3%) |
| Median Home Value | $258,913 |
| Average Home Value | $279,970 |
Housing Distribution
Address Breakdown
Residential
977
Single Family
977
Multi-Family
0
Businesses
70
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Janisch • Janisch Realty Inc.
Mls Name: Lake Superior Area Realtors
Mls Provider:
Mls ID: #6117619
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.