181 Annapolis St ESaint PaulMN55118
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 181 Annapolis St E, Saint Paul, MN, 55118 in Saint Paul is narrow, $111/mo net on $1,753/mo rent after the $1,182/mo debt service, but the property operates at break-even-plus, not a loss. At $262,900 with a 8% yield, the long-run equity case via 5% appreciation ($72,634 over five years) and $2,421/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.48 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $106,981.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.2% |
| Monthly Cash Flow | $111 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,753 |
| Total Monthly Debt Service | $1,537 |
| DSCR Ratio | 1.14x |
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 1940
4,791 sqft lot
$N/A/sqft
No 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
Single Family
Built in 1940
4,791 sqft lot
$N/A/sqft
No 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: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7028214