4725 Fable Rd NHugoMN55038
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4725 Fable Rd N, Hugo, MN, 55038 in Hugo worth study. Rental yield 4.35%. The 4.35% gross yield is below cash-flow benchmarks at $685,000, but 5% annual appreciation, adding $189,253 over five years, frames this as a capital growth position. Rent of $2,485/mo partially offsets the $3,080/mo payment. Ziffy Mortgage finances appreciation-play properties (0.81 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $144,608.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 7.3% |
| Monthly Cash Flow | $(1,992) | $1,200 |
City averages based on Hugo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,485 |
| Total Monthly Debt Service | $4,005 |
| DSCR Ratio | 0.62x |
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.
Townhouse
Built in 2019
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55038, Hugo, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,055 (100%) |
| Owner Occupied HU | 8,931 (88.8%) |
| Renter Occupied HU | 868 ( 8.6%) |
| Vacant Housing Units | 256 ( 2.5%) |
| Median Home Value | $484,067 |
| Average Home Value | $520,211 |
Housing Distribution
Address Breakdown
Residential
9,910
Single Family
9,782
Multi-Family
128
Businesses
380
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
Townhouse
Built in 2019
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55038, Hugo, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,055 (100%) |
| Owner Occupied HU | 8,931 (88.8%) |
| Renter Occupied HU | 868 ( 8.6%) |
| Vacant Housing Units | 256 ( 2.5%) |
| Median Home Value | $484,067 |
| Average Home Value | $520,211 |
Housing Distribution
Address Breakdown
Residential
9,910
Single Family
9,782
Multi-Family
128
Businesses
380
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices