2076 Larpenteur Ave ESaint PaulMN55109
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 2076 Larpenteur Ave E, Saint Paul, MN, 55109 in Saint Paul deserves attention. This $334,000 property earns $2,947/mo in rent, a 10.59% gross yield, and nets $862/mo after the $1,502/mo payment. DSCR 1.96 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $92,278 compounds alongside $3,076/yr in yearly equity build, for a total cumulative return of $182,193.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 5.2% |
| Monthly Cash Flow | $862 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,947 |
| Total Monthly Debt Service | $1,953 |
| DSCR Ratio | 1.51x |
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 1963
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55109, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,593 (100%) |
| Owner Occupied HU | 8,396 (61.8%) |
| Renter Occupied HU | 4,615 (34.0%) |
| Vacant Housing Units | 582 ( 4.3%) |
| Median Home Value | $346,411 |
| Average Home Value | $373,099 |
Housing Distribution
Address Breakdown
Residential
14,246
Single Family
10,131
Multi-Family
4,115
Businesses
1,051
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 1963
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55109, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,593 (100%) |
| Owner Occupied HU | 8,396 (61.8%) |
| Renter Occupied HU | 4,615 (34.0%) |
| Vacant Housing Units | 582 ( 4.3%) |
| Median Home Value | $346,411 |
| Average Home Value | $373,099 |
Housing Distribution
Address Breakdown
Residential
14,246
Single Family
10,131
Multi-Family
4,115
Businesses
1,051
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Liz Dabout • eXp Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6783611