1060 Silverwood AlcoveSaint PaulMN55125
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Saint Paul rental at 1060 Silverwood Alcove, Saint Paul, MN, 55125 sits in the solid-income band: 8.26% gross yield, $2,941/mo rent, $245/mo net after the $1,922/mo debt service, DSCR 1.53. Entry price of $427,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $118,110 and $3,937/yr in principal reduction bring total cumulative return to $178,072.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.2% |
| Monthly Cash Flow | $245 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,941 |
| Total Monthly Debt Service | $2,527 |
| DSCR Ratio | 1.16x |
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 1993
0.29 Acres lot
$N/A/sqft
$325 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55125, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,472 (100%) |
| Owner Occupied HU | 13,025 (74.5%) |
| Renter Occupied HU | 4,032 (23.1%) |
| Vacant Housing Units | 415 ( 2.4%) |
| Median Home Value | $431,767 |
| Average Home Value | $476,513 |
Housing Distribution
Address Breakdown
Residential
17,160
Single Family
14,939
Multi-Family
2,221
Businesses
1,464
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 1993
0.29 Acres lot
$N/A/sqft
$325 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55125, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,472 (100%) |
| Owner Occupied HU | 13,025 (74.5%) |
| Renter Occupied HU | 4,032 (23.1%) |
| Vacant Housing Units | 415 ( 2.4%) |
| Median Home Value | $431,767 |
| Average Home Value | $476,513 |
Housing Distribution
Address Breakdown
Residential
17,160
Single Family
14,939
Multi-Family
2,221
Businesses
1,464
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices