5061 61st Ave SERochesterMN55904
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 5061 61st Ave SE, Rochester, MN, 55904 in Rochester fits: $894,900, 2.6% gross yield, and a projected 5% annual appreciation rate adding $247,244 in value within five years. Rental yield 2.6%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.48) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,242/yr in principal paydown and $247,244 in appreciation project a total return of $104,598.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 7.0% |
| Monthly Cash Flow | $(3,651) | $1,500 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,937 |
| Total Monthly Debt Service | $5,232 |
| DSCR Ratio | 0.37x |
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 2001
21.28 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 2001
21.28 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices