130 Stonebridge RdMendota HeightsMN55118
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 130 Stonebridge Rd, Mendota Heights, MN, 55118 in Mendota Heights is capital appreciation. Rental yield 3.21%. The 3.21% gross yield at $950,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $262,467 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.59) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $90,375.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 6.5% |
| Monthly Cash Flow | $(4,255) | $320 |
City averages based on Mendota Heights market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,538 |
| Total Monthly Debt Service | $6,415 |
| DSCR Ratio | 0.40x |
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.
Townhouse
Built in 2002
6,534 sqft lot
$N/A/sqft
$861 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55118, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,665 (100%) |
| Owner Occupied HU | 8,126 (59.5%) |
| Renter Occupied HU | 4,899 (35.9%) |
| Vacant Housing Units | 640 ( 4.7%) |
| Median Home Value | $423,091 |
| Average Home Value | $490,785 |
Housing Distribution
Address Breakdown
Residential
13,700
Single Family
8,258
Multi-Family
5,442
Businesses
759
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
Townhouse
Built in 2002
6,534 sqft lot
$N/A/sqft
$861 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55118, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,665 (100%) |
| Owner Occupied HU | 8,126 (59.5%) |
| Renter Occupied HU | 4,899 (35.9%) |
| Vacant Housing Units | 640 ( 4.7%) |
| Median Home Value | $423,091 |
| Average Home Value | $490,785 |
Housing Distribution
Address Breakdown
Residential
13,700
Single Family
8,258
Multi-Family
5,442
Businesses
759
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tim Sheetz, CRS, CLHMS • RE/MAX Results
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #6719291
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