6975 Cramer RdFinlandMN55603
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 6975 Cramer Rd, Finland, MN, 55603 in Finland offers a clean, manageable entry. Rental yield 6.6%. DSCR 1.22 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $80,122 in additional property value over five years, with $2,671/yr in principal equity building ownership stake. Total projected cumulative return: $96,236.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.2% |
| Monthly Cash Flow | $(215) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,596 |
| Total Monthly Debt Service | $1,696 |
| DSCR Ratio | 0.94x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1984
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55603, Finland, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 455 (100%) |
| Owner Occupied HU | 249 (54.7%) |
| Renter Occupied HU | 11 ( 2.4%) |
| Vacant Housing Units | 195 (42.9%) |
| Median Home Value | $357,273 |
| Average Home Value | $436,064 |
Housing Distribution
Address Breakdown
Residential
165
Single Family
165
Multi-Family
0
Businesses
26
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 1984
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55603, Finland, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 455 (100%) |
| Owner Occupied HU | 249 (54.7%) |
| Renter Occupied HU | 11 ( 2.4%) |
| Vacant Housing Units | 195 (42.9%) |
| Median Home Value | $357,273 |
| Average Home Value | $436,064 |
Housing Distribution
Address Breakdown
Residential
165
Single Family
165
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices