9664 Gamma RdKabetogamaMN56669
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 9664 Gamma Rd, Kabetogama, MN, 56669 in Kabetogama is listed at $369,000 and delivers $2,992/mo in rent and $687/mo in net monthly cash flow. The 9.73% yield and 1.80 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $101,948 over five years, and $3,399/yr in principal reduction supplements cash return. Total projected cumulative return: $184,278.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 7.2% |
| Monthly Cash Flow | $687 | $300 |
City averages based on Kabetogama market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,992 |
| Total Monthly Debt Service | $2,157 |
| DSCR Ratio | 1.39x |
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 1985
12.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56669, Ray, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 344 (100%) |
| Owner Occupied HU | 120 (34.9%) |
| Renter Occupied HU | 25 ( 7.3%) |
| Vacant Housing Units | 199 (57.8%) |
| Median Home Value | $235,294 |
| Average Home Value | $281,708 |
Housing Distribution
Address Breakdown
Residential
186
Single Family
186
Multi-Family
0
Businesses
8
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 1985
12.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56669, Ray, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 344 (100%) |
| Owner Occupied HU | 120 (34.9%) |
| Renter Occupied HU | 25 ( 7.3%) |
| Vacant Housing Units | 199 (57.8%) |
| Median Home Value | $235,294 |
| Average Home Value | $281,708 |
Housing Distribution
Address Breakdown
Residential
186
Single Family
186
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Char Watson • Island View Realty
Mls Name: Range AOR
Mls ID: #148176
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.