1914 Sapphire Point #102Saint PaulMN55122
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1914 Sapphire Point #102, Saint Paul, MN, 55122 in Saint Paul deserves attention. This $267,500 property earns $2,294/mo in rent, a 10.29% gross yield, and nets $624/mo after the $1,203/mo payment. DSCR 1.91 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $73,905 compounds alongside $2,464/yr in yearly equity build, for a total cumulative return of $141,600.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 5.2% |
| Monthly Cash Flow | $624 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,294 |
| Total Monthly Debt Service | $1,564 |
| DSCR Ratio | 1.47x |
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.
Townhouse
Built in 1994
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55122, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,132 (100%) |
| Owner Occupied HU | 9,366 (66.3%) |
| Renter Occupied HU | 4,317 (30.5%) |
| Vacant Housing Units | 449 ( 3.2%) |
| Median Home Value | $414,072 |
| Average Home Value | $458,508 |
Housing Distribution
Address Breakdown
Residential
14,319
Single Family
10,608
Multi-Family
3,711
Businesses
799
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 1994
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55122, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,132 (100%) |
| Owner Occupied HU | 9,366 (66.3%) |
| Renter Occupied HU | 4,317 (30.5%) |
| Vacant Housing Units | 449 ( 3.2%) |
| Median Home Value | $414,072 |
| Average Home Value | $458,508 |
Housing Distribution
Address Breakdown
Residential
14,319
Single Family
10,608
Multi-Family
3,711
Businesses
799
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brian Amundson • Keller Williams Preferred Rlty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6756245