Birmingham Plan, Watermark : Lifestyle Villa CollectionLino LakesMN55038
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.91% yield at Birmingham Plan, Watermark: Lifestyle Villa Collection, Lino Lakes, MN, 55038 in Lino Lakes is solid, but the $2,569/mo payment compresses net cash flow to $187/mo at $541,990. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $149,742 by year five, and $4,543/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.39) without U.S. income documentation. Total projected return: $207,501.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.5% |
| Monthly Cash Flow | $187 | $350 |
City averages based on Lino Lakes market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,571 |
| Total Monthly Debt Service | $3,301 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55038, Hugo, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,055 (100%) |
| Owner Occupied HU | 8,931 (88.8%) |
| Renter Occupied HU | 868 ( 8.6%) |
| Vacant Housing Units | 256 ( 2.5%) |
| Median Home Value | $484,067 |
| Average Home Value | $520,211 |
Housing Distribution
Address Breakdown
Residential
9,910
Single Family
9,782
Multi-Family
128
Businesses
380
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A
