7158 Comstock Lake RdCottonMN55724
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 7158 Comstock Lake Rd, Cotton, MN, 55724 in Cotton: $1,712/mo in rent, $332/mo in net income, 9.3% gross yield, 1.72 DSCR, all at $221,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $61,058 in appreciation and $2,035/yr in principal paydown projects total cumulative return of $105,223.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $332 | $850 |
City averages based on Cotton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,712 |
| Total Monthly Debt Service | $1,292 |
| DSCR Ratio | 1.32x |
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 2007
4.64 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 2007
4.64 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: Dave Lilja • Think Minnesota Realty LLC
Mls Name: Lake Superior Area Realtors
Mls Provider:
Mls ID: #6119882
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.