4950 Eagle Ridge RdLorettoMN55357
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 4950 Eagle Ridge Rd, Loretto, MN, 55357 in Loretto earns a 8.31% gross yield at $739,000. Rent of $5,117/mo nets $502/mo after the $3,323/mo mortgage. The 1.54 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $204,172 and $6,806/yr in equity accumulation project a total cumulative return of $312,736.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.5% |
| Monthly Cash Flow | $502 | $250 |
City averages based on Loretto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,117 |
| Total Monthly Debt Service | $4,321 |
| DSCR Ratio | 1.18x |
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 2001
15.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55357, Loretto, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,114 (100%) |
| Owner Occupied HU | 980 (88.0%) |
| Renter Occupied HU | 92 ( 8.3%) |
| Vacant Housing Units | 42 ( 3.8%) |
| Median Home Value | $643,919 |
| Average Home Value | $699,258 |
Housing Distribution
Address Breakdown
Residential
1,194
Single Family
1,170
Multi-Family
24
Businesses
111
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 2001
15.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55357, Loretto, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,114 (100%) |
| Owner Occupied HU | 980 (88.0%) |
| Renter Occupied HU | 92 ( 8.3%) |
| Vacant Housing Units | 42 ( 3.8%) |
| Median Home Value | $643,919 |
| Average Home Value | $699,258 |
Housing Distribution
Address Breakdown
Residential
1,194
Single Family
1,170
Multi-Family
24
Businesses
111
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices