1312 Gary DrSaint Paul ParkMN55071
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1312 Gary Dr, Saint Paul Park, MN, 55071 in Saint Paul Park: $2,446/mo in rent, $323/mo in net income, 8.63% gross yield, 1.60 DSCR, all at $339,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $93,908 in appreciation and $3,131/yr in principal paydown projects total cumulative return of $149,858.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $323 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,446 |
| Total Monthly Debt Service | $1,987 |
| DSCR Ratio | 1.23x |
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 1964
9,278 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55071, Saint Paul Park, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,230 (100%) |
| Owner Occupied HU | 1,761 (79.0%) |
| Renter Occupied HU | 399 (17.9%) |
| Vacant Housing Units | 70 ( 3.1%) |
| Median Home Value | $310,359 |
| Average Home Value | $363,184 |
Housing Distribution
Address Breakdown
Residential
2,200
Single Family
2,093
Multi-Family
107
Businesses
107
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 1964
9,278 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55071, Saint Paul Park, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,230 (100%) |
| Owner Occupied HU | 1,761 (79.0%) |
| Renter Occupied HU | 399 (17.9%) |
| Vacant Housing Units | 70 ( 3.1%) |
| Median Home Value | $310,359 |
| Average Home Value | $363,184 |
Housing Distribution
Address Breakdown
Residential
2,200
Single Family
2,093
Multi-Family
107
Businesses
107
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Samuel Dulian • RE/MAX Results
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7008735