82 Robert StELROSAMN56325
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis ELROSA rental at 82 Robert St, ELROSA, MN, 56325 sits in the solid-income band: 9.53% gross yield, $1,906/mo rent, $408/mo net after the $1,079/mo debt service, DSCR 1.77. Entry price of $239,900 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 $66,280 and $2,210/yr in principal reduction bring total cumulative return to $117,309.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $408 | $800 |
City averages based on ELROSA market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,906 |
| Total Monthly Debt Service | $1,403 |
| DSCR Ratio | 1.36x |
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 1980
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56325, Elrosa, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 94 (100%) |
| Owner Occupied HU | 72 (76.6%) |
| Renter Occupied HU | 11 (11.7%) |
| Vacant Housing Units | 11 (11.7%) |
| Median Home Value | $428,571 |
| Average Home Value | $644,722 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
18
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 1980
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56325, Elrosa, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 94 (100%) |
| Owner Occupied HU | 72 (76.6%) |
| Renter Occupied HU | 11 (11.7%) |
| Vacant Housing Units | 11 (11.7%) |
| Median Home Value | $428,571 |
| Average Home Value | $644,722 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Morgan Gregory • Central MN Realty LLC
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #6705272
Disclaimer: Based on information submitted to the MLS GRID as of 2025-04-20 11:08:02 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#28) By searching NorthstarMLS listings you agree to the [NorthstarMLS End User License Agreement](https://static1.squarespace.com/static/56c4eea9d51cd483819dae7b/t/56cbe7e32fe13151e10e6b3d/1456203748061/EULA.pdf)