8816 Ghia StBlaineMN55014
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play8816 Ghia St, Blaine, MN, 55014 in Blaine is priced for appreciation, not yield. Rental yield 5.77%. At $629,000 with a 5.77% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $173,781 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.07) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $158,259.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 5.8% |
| Monthly Cash Flow | $(1,275) | $420 |
City averages based on Blaine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,023 |
| Total Monthly Debt Service | $4,048 |
| DSCR Ratio | 0.75x |
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.
Townhouse
Built in 2015
3,920 sqft lot
$N/A/sqft
$370 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55014, Circle Pines, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,108 (100%) |
| Owner Occupied HU | 8,988 (80.9%) |
| Renter Occupied HU | 1,623 (14.6%) |
| Vacant Housing Units | 497 ( 4.5%) |
| Median Home Value | $383,530 |
| Average Home Value | $412,228 |
Housing Distribution
Address Breakdown
Residential
10,939
Single Family
9,780
Multi-Family
1,159
Businesses
526
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 2015
3,920 sqft lot
$N/A/sqft
$370 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55014, Circle Pines, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,108 (100%) |
| Owner Occupied HU | 8,988 (80.9%) |
| Renter Occupied HU | 1,623 (14.6%) |
| Vacant Housing Units | 497 ( 4.5%) |
| Median Home Value | $383,530 |
| Average Home Value | $412,228 |
Housing Distribution
Address Breakdown
Residential
10,939
Single Family
9,780
Multi-Family
1,159
Businesses
526
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices