5853 Morley Beach RdCottonMN55724
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 5853 Morley Beach Rd, Cotton, MN, 55724 in Cotton is capital appreciation. Rental yield 3.04%. The 3.04% gross yield at $549,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $151,679 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.54) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $73,525.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.5% |
| Monthly Cash Flow | $(2,036) | $850 |
City averages based on Cotton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,334 |
| Total Monthly Debt Service | $3,210 |
| DSCR Ratio | 0.42x |
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 2010
2.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55724, Cotton, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 873 (100%) |
| Owner Occupied HU | 341 (39.1%) |
| Renter Occupied HU | 25 ( 2.9%) |
| Vacant Housing Units | 507 (58.1%) |
| Median Home Value | $346,622 |
| Average Home Value | $429,128 |
Housing Distribution
Address Breakdown
Residential
431
Single Family
431
Multi-Family
0
Businesses
20
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 2010
2.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55724, Cotton, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 873 (100%) |
| Owner Occupied HU | 341 (39.1%) |
| Renter Occupied HU | 25 ( 2.9%) |
| Vacant Housing Units | 507 (58.1%) |
| Median Home Value | $346,622 |
| Average Home Value | $429,128 |
Housing Distribution
Address Breakdown
Residential
431
Single Family
431
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark Sams • RE/MAX Results
Mls Name: Lake Superior Area Realtors
Mls Provider:
Mls ID: #6118940
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.