5134 W Arrowhead RdHermantownMN55811
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 5134 W Arrowhead Rd, Hermantown, MN, 55811 in Hermantown hard to pass up. The 10.24% gross yield on a $449,900 purchase results in $3,840/mo in rent and $995/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.90). Annual cash flow of $11,944, five-year appreciation of $124,299, and $4,144/yr in equity build-up combine for a projected total cumulative return of $234,927.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.0% |
| Monthly Cash Flow | $995 | $850 |
City averages based on Hermantown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,840 |
| Total Monthly Debt Service | $2,666 |
| DSCR Ratio | 1.44x |
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 1985
2.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55811, Duluth, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,344 (100%) |
| Owner Occupied HU | 7,647 (61.9%) |
| Renter Occupied HU | 3,951 (32.0%) |
| Vacant Housing Units | 746 ( 6.0%) |
| Median Home Value | $355,063 |
| Average Home Value | $393,087 |
Housing Distribution
Address Breakdown
Residential
11,971
Single Family
9,450
Multi-Family
2,521
Businesses
997
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 1985
2.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55811, Duluth, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,344 (100%) |
| Owner Occupied HU | 7,647 (61.9%) |
| Renter Occupied HU | 3,951 (32.0%) |
| Vacant Housing Units | 746 ( 6.0%) |
| Median Home Value | $355,063 |
| Average Home Value | $393,087 |
Housing Distribution
Address Breakdown
Residential
11,971
Single Family
9,450
Multi-Family
2,521
Businesses
997
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matt Privette • Messina & Associates Real Estate
Mls Name: Lake Superior Area Realtors
Mls Provider:
Mls ID: #6119344
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.