7395 Kagan AveOtsegoMN55301
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 7395 Kagan Ave, Otsego, MN, 55301 in Otsego is narrow, $180/mo net on $2,371/mo rent after the $1,663/mo debt service, but the property operates at break-even-plus, not a loss. At $350,890 with a 8.11% yield, the long-run equity case via 5% appreciation ($96,944 over five years) and $2,941/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $138,178.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.2% |
| Monthly Cash Flow | $180 | $350 |
City averages based on Otsego 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 | $2,371 |
| Total Monthly Debt Service | $2,137 |
| DSCR Ratio | 1.11x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2026
10,018 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
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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
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