Willow II Plan, Rush Creek ReserveHamelMN55340
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at Willow II Plan, Rush Creek Reserve, Hamel, MN, 55340 in Hamel: $3,583/mo in rent, $342/mo in net income, 8.29% gross yield, 1.54 DSCR, all at $518,990. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $143,387 in appreciation and $4,780/yr in principal paydown projects total cumulative return of $218,951.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.5% |
| Monthly Cash Flow | $342 | $850 |
City averages based on Hamel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,583 |
| Total Monthly Debt Service | $3,034 |
| 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 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
