197 Congress St WSaint PaulMN55107
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 197 Congress St W, Saint Paul, MN, 55107 in Saint Paul speaks for itself: 10.98% gross on a $299,900 price, generating $2,744/mo in rent and $872/mo in net income after the $1,349/mo debt service. DSCR 2.03, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,460 stacks alongside $82,857 in projected five-year appreciation and $2,762/yr in principal reduction. Projected total cumulative return: $169,867.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 5.2% |
| Monthly Cash Flow | $872 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,744 |
| Total Monthly Debt Service | $1,753 |
| DSCR Ratio | 1.56x |
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 1889
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55107, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,521 (100%) |
| Owner Occupied HU | 2,993 (45.9%) |
| Renter Occupied HU | 3,007 (46.1%) |
| Vacant Housing Units | 521 ( 8.0%) |
| Median Home Value | $319,900 |
| Average Home Value | $356,688 |
Housing Distribution
Address Breakdown
Residential
5,886
Single Family
4,395
Multi-Family
1,491
Businesses
474
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 1889
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55107, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,521 (100%) |
| Owner Occupied HU | 2,993 (45.9%) |
| Renter Occupied HU | 3,007 (46.1%) |
| Vacant Housing Units | 521 ( 8.0%) |
| Median Home Value | $319,900 |
| Average Home Value | $356,688 |
Housing Distribution
Address Breakdown
Residential
5,886
Single Family
4,395
Multi-Family
1,491
Businesses
474
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Benjamin S Hoffman • eHouse Realty, Inc
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #6769781
Disclaimer: Based on information submitted to the MLS GRID as of 2025-08-10 10:03:11 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#28) By searching NorthstarMLS listings you agree to the [NorthstarMLS End User License Agreement](https://static1.squarespace.com/static/56c4eea9d51cd483819dae7b/t/56cbe7e32fe13151e10e6b3d/1456203748061/EULA.pdf)