1149 Payne AveSaint PaulMN55130
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1149 Payne Ave, Saint Paul, MN, 55130 in Saint Paul. Priced at $170,000, it generates $2,255/mo in gross rent and $1,078/mo in net monthly cash flow, a 15.92% yield that comfortably supports the 2.95 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $12,933. Five-year appreciation: $46,968. Equity from principal paydown: $1,566/yr. Total projected cumulative return: $134,460.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.9% | 5.2% |
| Monthly Cash Flow | $1,078 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,255 |
| Total Monthly Debt Service | $1,109 |
| DSCR Ratio | 2.03x |
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 1910
2,613 sqft lot
$N/A/sqft
No HOA
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 1910
2,613 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices