Sinclair Plan, Calarosa : Discovery CollectionCottage GroveMN55016
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate Sinclair Plan, Calarosa: Discovery Collection, Cottage Grove, MN, 55016 in Cottage Grove. At $531,990 it earns $3,660/mo in rent and distributes $338/mo to the owner after the $2,392/mo payment, a consistent 8.26% yield. DSCR 1.53 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $146,979 in value; $4,900/yr in principal paydown compounds ownership stake. Total projected return: $223,616.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.8% |
| Monthly Cash Flow | $338 | $285 |
City averages based on Cottage Grove market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,660 |
| Total Monthly Debt Service | $3,110 |
| DSCR Ratio | 1.18x |
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 2024
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 |
Housing Distribution
Address Breakdown
Residential
14,637
Single Family
13,779
Multi-Family
858
Businesses
451
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 2024
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 |
Housing Distribution
Address Breakdown
Residential
14,637
Single Family
13,779
Multi-Family
858
Businesses
451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices