Birch Plan, Rush Creek ReserveHamelMN55340
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at Birch Plan, Rush Creek Reserve, Hamel, MN, 55340 in Hamel is narrow, $39/mo net on $3,080/mo rent after the $2,190/mo debt service, but the property operates at break-even-plus, not a loss. At $486,990 with a 7.59% yield, the long-run equity case via 5% appreciation ($134,546 over five years) and $4,485/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $187,287.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.5% |
| Monthly Cash Flow | $39 | $850 |
City averages based on Hamel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,080 |
| Total Monthly Debt Service | $2,847 |
| DSCR Ratio | 1.08x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55340, Hamel, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,990 (100%) |
| Owner Occupied HU | 3,632 (91.0%) |
| Renter Occupied HU | 220 ( 5.5%) |
| Vacant Housing Units | 138 ( 3.5%) |
| Median Home Value | $666,667 |
| Average Home Value | $725,686 |
Housing Distribution
Address Breakdown
Residential
3,831
Single Family
3,665
Multi-Family
166
Businesses
326
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55340, Hamel, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,990 (100%) |
| Owner Occupied HU | 3,632 (91.0%) |
| Renter Occupied HU | 220 ( 5.5%) |
| Vacant Housing Units | 138 ( 3.5%) |
| Median Home Value | $666,667 |
| Average Home Value | $725,686 |
Housing Distribution
Address Breakdown
Residential
3,831
Single Family
3,665
Multi-Family
166
Businesses
326
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
