7386 Kahl Cir NEOtsegoMN55301
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Otsego rental at 7386 Kahl Cir NE, Otsego, MN, 55301 sits in the solid-income band: 8.87% gross yield, $3,179/mo rent, $332/mo net after the $1,933/mo debt service, DSCR 1.64. Entry price of $429,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $118,773 and $3,959/yr in principal reduction bring total cumulative return to $194,952.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 7.2% |
| Monthly Cash Flow | $332 | $350 |
City averages based on Otsego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,179 |
| Total Monthly Debt Service | $2,513 |
| DSCR Ratio | 1.26x |
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 2025
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55301, Albertville, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,117 (100%) |
| Owner Occupied HU | 4,068 (79.5%) |
| Renter Occupied HU | 797 (15.6%) |
| Vacant Housing Units | 252 ( 4.9%) |
| Median Home Value | $358,720 |
| Average Home Value | $371,713 |
Housing Distribution
Address Breakdown
Residential
4,772
Single Family
4,492
Multi-Family
280
Businesses
315
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 2025
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55301, Albertville, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,117 (100%) |
| Owner Occupied HU | 4,068 (79.5%) |
| Renter Occupied HU | 797 (15.6%) |
| Vacant Housing Units | 252 ( 4.9%) |
| Median Home Value | $358,720 |
| Average Home Value | $371,713 |
Housing Distribution
Address Breakdown
Residential
4,772
Single Family
4,492
Multi-Family
280
Businesses
315
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices