1176 Laurel AveSaint PaulMN55104
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 1176 Laurel Ave, Saint Paul, MN, 55104 in Saint Paul. Rental yield 6.77%. The 1.25 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $116,038 and $3,868/yr in principal reduction project total return of $131,965.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 5.2% |
| Monthly Cash Flow | $(438) | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,369 |
| Total Monthly Debt Service | $2,640 |
| DSCR Ratio | 0.90x |
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 1907
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55104, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,868 (100%) |
| Owner Occupied HU | 8,441 (40.4%) |
| Renter Occupied HU | 11,025 (52.8%) |
| Vacant Housing Units | 1,402 ( 6.7%) |
| Median Home Value | $371,864 |
| Average Home Value | $437,068 |
Housing Distribution
Address Breakdown
Residential
19,223
Single Family
12,270
Multi-Family
6,953
Businesses
1,646
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 1907
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55104, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,868 (100%) |
| Owner Occupied HU | 8,441 (40.4%) |
| Renter Occupied HU | 11,025 (52.8%) |
| Vacant Housing Units | 1,402 ( 6.7%) |
| Median Home Value | $371,864 |
| Average Home Value | $437,068 |
Housing Distribution
Address Breakdown
Residential
19,223
Single Family
12,270
Multi-Family
6,953
Businesses
1,646
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Caron, GRI • Edina Realty, Inc.
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #6729329
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