549 Oakwood DrJanesvilleMN56048
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 549 Oakwood Dr, Janesville, MN, 56048 in Janesville is narrow, $113/mo net on $2,142/mo rent after the $1,461/mo debt service, but the property operates at break-even-plus, not a loss. At $324,900 with a 7.91% yield, the long-run equity case via 5% appreciation ($89,764 over five years) and $2,992/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $130,593.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.8% |
| Monthly Cash Flow | $113 | $450 |
City averages based on Janesville 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 | $2,142 |
| Total Monthly Debt Service | $1,900 |
| DSCR Ratio | 1.13x |
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.
Townhouse
Built in 2006
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56048, Janesville, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,677 (100%) |
| Owner Occupied HU | 1,322 (78.8%) |
| Renter Occupied HU | 252 (15.0%) |
| Vacant Housing Units | 103 ( 6.1%) |
| Median Home Value | $267,200 |
| Average Home Value | $298,837 |
Housing Distribution
Address Breakdown
Residential
1,459
Single Family
1,368
Multi-Family
91
Businesses
84
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 2006
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56048, Janesville, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,677 (100%) |
| Owner Occupied HU | 1,322 (78.8%) |
| Renter Occupied HU | 252 (15.0%) |
| Vacant Housing Units | 103 ( 6.1%) |
| Median Home Value | $267,200 |
| Average Home Value | $298,837 |
Housing Distribution
Address Breakdown
Residential
1,459
Single Family
1,368
Multi-Family
91
Businesses
84
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: RASM
Mls ID: #267040913