9855 Kadler Ave NEOtsegoMN55362
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder9855 Kadler Ave NE, Otsego, MN, 55362 in Otsego is a stable, well-positioned rental at $499,800. Rental yield 7.36%. DSCR 1.36 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $138,086 in value and $4,603/yr in principal paydown builds equity, a total projected return of $186,141.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 7.2% |
| Monthly Cash Flow | $(55) | $350 |
City averages based on Otsego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,066 |
| Total Monthly Debt Service | $2,922 |
| DSCR Ratio | 1.05x |
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 1999
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55362, Monticello, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,276 (100%) |
| Owner Occupied HU | 6,225 (75.2%) |
| Renter Occupied HU | 1,750 (21.1%) |
| Vacant Housing Units | 301 ( 3.6%) |
| Median Home Value | $358,209 |
| Average Home Value | $406,696 |
Housing Distribution
Address Breakdown
Residential
8,051
Single Family
6,827
Multi-Family
1,224
Businesses
606
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 1999
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55362, Monticello, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,276 (100%) |
| Owner Occupied HU | 6,225 (75.2%) |
| Renter Occupied HU | 1,750 (21.1%) |
| Vacant Housing Units | 301 ( 3.6%) |
| Median Home Value | $358,209 |
| Average Home Value | $406,696 |
Housing Distribution
Address Breakdown
Residential
8,051
Single Family
6,827
Multi-Family
1,224
Businesses
606
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices