1800 Graham Ave UNIT 225Saint PaulMN55116
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowA DSCR of 1.90 makes 1800 Graham Ave UNIT 225, Saint Paul, MN, 55116 in Saint Paul one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 10.26%. The 10.26% yield, 5% annual appreciation ($63,545 over five years), and $2,118/yr in principal reduction project a total cumulative return of $80,782.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 5.2% |
| Monthly Cash Flow | $(148) | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,966 |
| Total Monthly Debt Service | $2,022 |
| DSCR Ratio | 0.97x |
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.
Condo
Built in 2005
87.12 sqft lot
$N/A/sqft
$640 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55116, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,930 (100%) |
| Owner Occupied HU | 5,855 (45.3%) |
| Renter Occupied HU | 6,318 (48.9%) |
| Vacant Housing Units | 757 ( 5.9%) |
| Median Home Value | $440,737 |
| Average Home Value | $493,926 |
Housing Distribution
Address Breakdown
Residential
12,521
Single Family
6,308
Multi-Family
6,213
Businesses
476
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
Condo
Built in 2005
87.12 sqft lot
$N/A/sqft
$640 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55116, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,930 (100%) |
| Owner Occupied HU | 5,855 (45.3%) |
| Renter Occupied HU | 6,318 (48.9%) |
| Vacant Housing Units | 757 ( 5.9%) |
| Median Home Value | $440,737 |
| Average Home Value | $493,926 |
Housing Distribution
Address Breakdown
Residential
12,521
Single Family
6,308
Multi-Family
6,213
Businesses
476
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices