Mercer Plan, Hawthorne, Cottage Grove, MN, 55016 | $599/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Cottage Grove at Mercer Plan, Hawthorne, Cottage Grove, MN, 55016 with 5% annual appreciation on a $526,990 basis while $3,889/mo rent supports operations. Total monthly income totals $3,889/mo and a $2,579/mo payment preserves $599/mo for cash returns. Annual cash flow comes to $7,183/yr on $173,380 deployed, and return on cash invested reaches 24.2% in year one. Equity gained on principal adds $3,401/yr, and five-year appreciation sums $145,598 alongside rental yield of 8.86%. Five-year ROI measures 125.92% and total cumulative return in cash totals $218,314.

Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $3,889/mo property income versus a $2,579/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.

Single Family

Built in 2025

N/A lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 55016, Cottage Grove, MN area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	15,384 (100%)
Owner Occupied HU	12,945 (84.1%)
Renter Occupied HU	2,017 (13.1%)
Vacant Housing Units	422 ( 2.7%)
Median Home Value	$399,285
Average Home Value	$443,584