1237 5th St ESaint PaulMN55106
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 1237 5th St E, Saint Paul, MN, 55106 in Saint Paul at $274,900. Rental yield 6.96%. The 6.96% yield and 1.29 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $75,950 by year five, and $2,532/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $96,486.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 5.2% |
| Monthly Cash Flow | $(122) | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,595 |
| Total Monthly Debt Service | $1,607 |
| DSCR Ratio | 0.99x |
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.
Multi Family
Built in 1922
4,878 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55106, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,418 (100%) |
| Owner Occupied HU | 10,122 (52.1%) |
| Renter Occupied HU | 8,136 (41.9%) |
| Vacant Housing Units | 1,160 ( 6.0%) |
| Median Home Value | $277,944 |
| Average Home Value | $322,155 |
Housing Distribution
Address Breakdown
Residential
18,750
Single Family
15,338
Multi-Family
3,412
Businesses
743
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
Multi Family
Built in 1922
4,878 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55106, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,418 (100%) |
| Owner Occupied HU | 10,122 (52.1%) |
| Renter Occupied HU | 8,136 (41.9%) |
| Vacant Housing Units | 1,160 ( 6.0%) |
| Median Home Value | $277,944 |
| Average Home Value | $322,155 |
Housing Distribution
Address Breakdown
Residential
18,750
Single Family
15,338
Multi-Family
3,412
Businesses
743
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7039251