9442 Highway 1IsabellaMN55607
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 9442 Highway 1, Isabella, MN, 55607 in Isabella: $1,160/mo in rent, $224/mo in net income, 9.29% gross yield, 1.72 DSCR, all at $149,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $41,415 in appreciation and $1,381/yr in principal paydown projects total cumulative return of $71,315.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $224 | $300 |
City averages based on Isabella market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,160 |
| Total Monthly Debt Service | $876 |
| DSCR Ratio | 1.32x |
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
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55607, Isabella, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 394 (100%) |
| Owner Occupied HU | 105 (26.6%) |
| Renter Occupied HU | 8 ( 2.0%) |
| Vacant Housing Units | 281 (71.3%) |
| Median Home Value | $375,926 |
| Average Home Value | $420,881 |
Housing Distribution
Address Breakdown
Residential
138
Single Family
137
Multi-Family
1
Businesses
4
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55607, Isabella, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 394 (100%) |
| Owner Occupied HU | 105 (26.6%) |
| Renter Occupied HU | 8 ( 2.0%) |
| Vacant Housing Units | 281 (71.3%) |
| Median Home Value | $375,926 |
| Average Home Value | $420,881 |
Housing Distribution
Address Breakdown
Residential
138
Single Family
137
Multi-Family
1
Businesses
4
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices