5412 Scenic Loop RunVictoriaMN55386
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 5412 Scenic Loop Run, Victoria, MN, 55386 in Victoria offers a clean, manageable entry. Rental yield 6.92%. DSCR 1.28 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $173,588 in additional property value over five years, with $5,787/yr in principal equity building ownership stake. Total projected cumulative return: $219,073.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $(410) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,623 |
| Total Monthly Debt Service | $3,673 |
| DSCR Ratio | 0.99x |
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 2026
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55386, Victoria, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,678 (100%) |
| Owner Occupied HU | 3,371 (91.7%) |
| Renter Occupied HU | 182 ( 4.9%) |
| Vacant Housing Units | 125 ( 3.4%) |
| Median Home Value | $583,492 |
| Average Home Value | $609,534 |
Housing Distribution
Address Breakdown
Residential
3,567
Single Family
3,449
Multi-Family
118
Businesses
194
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 2026
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55386, Victoria, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,678 (100%) |
| Owner Occupied HU | 3,371 (91.7%) |
| Renter Occupied HU | 182 ( 4.9%) |
| Vacant Housing Units | 125 ( 3.4%) |
| Median Home Value | $583,492 |
| Average Home Value | $609,534 |
Housing Distribution
Address Breakdown
Residential
3,567
Single Family
3,449
Multi-Family
118
Businesses
194
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices