9166 Saralampi RdToivolaMN55765
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 9166 Saralampi Rd, Toivola, MN, 55765 in Toivola. Rental yield 1.63%. At $1,900,000 with 1.63% gross yield, current distributions are modest, but the 5% appreciation rate projects $524,935 in new equity by year five, complemented by $17,499/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.30) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $123,126.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 6.2% |
| Monthly Cash Flow | $(9,288) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,576 |
| Total Monthly Debt Service | $11,109 |
| DSCR Ratio | 0.23x |
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.
Single Family
Built in 2011
580 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55765, Meadowlands, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 442 (100%) |
| Owner Occupied HU | 306 (69.2%) |
| Renter Occupied HU | 44 ( 10.0%) |
| Vacant Housing Units | 92 (20.8%) |
| Median Home Value | $251,389 |
| Average Home Value | $367,475 |
Housing Distribution
Address Breakdown
Residential
300
Single Family
291
Multi-Family
9
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 2011
580 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55765, Meadowlands, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 442 (100%) |
| Owner Occupied HU | 306 (69.2%) |
| Renter Occupied HU | 44 ( 10.0%) |
| Vacant Housing Units | 92 (20.8%) |
| Median Home Value | $251,389 |
| Average Home Value | $367,475 |
Housing Distribution
Address Breakdown
Residential
300
Single Family
291
Multi-Family
9
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
Listed by: Chad Baucom • Village Realty
Mls Name: Lake Superior Area Realtors
Mls Provider:
Mls ID: #6121097
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.