63095 220th AveKelloggMN55945
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 63095 220th Ave, Kellogg, MN, 55945 in Kellogg. Rental yield 3.86%. At $535,000 with 3.86% gross yield, current distributions are modest, but the 5% appreciation rate projects $147,811 in new equity by year five, complemented by $4,927/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.71) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $98,688.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 7.0% |
| Monthly Cash Flow | $(1,621) | $100 |
City averages based on Kellogg 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 | $1,720 |
| Total Monthly Debt Service | $3,128 |
| DSCR Ratio | 0.55x |
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 1920
15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55945, Kellogg, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 688 (100%) |
| Owner Occupied HU | 543 (78.9%) |
| Renter Occupied HU | 66 ( 9.6%) |
| Vacant Housing Units | 79 (11.5%) |
| Median Home Value | $345,109 |
| Average Home Value | $416,998 |
Housing Distribution
Address Breakdown
Residential
539
Single Family
534
Multi-Family
5
Businesses
26
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 1920
15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55945, Kellogg, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 688 (100%) |
| Owner Occupied HU | 543 (78.9%) |
| Renter Occupied HU | 66 ( 9.6%) |
| Vacant Housing Units | 79 (11.5%) |
| Median Home Value | $345,109 |
| Average Home Value | $416,998 |
Housing Distribution
Address Breakdown
Residential
539
Single Family
534
Multi-Family
5
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices