225 9th St E UNIT 309Saint PaulMN55101
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 225 9th St E UNIT 309, Saint Paul, MN, 55101 in Saint Paul clears it at 1.85, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.99%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $66,280; $2,210/yr in principal equity; total projected return: $75,405.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 5.2% |
| Monthly Cash Flow | $(297) | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,998 |
| Total Monthly Debt Service | $2,199 |
| DSCR Ratio | 0.91x |
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 1910
871.20 sqft lot
$N/A/sqft
$711 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55101, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,886 (100%) |
| Owner Occupied HU | 1,155 (19.6%) |
| Renter Occupied HU | 4,164 (70.7%) |
| Vacant Housing Units | 567 ( 9.6%) |
| Median Home Value | $276,736 |
| Average Home Value | $344,045 |
Housing Distribution
Address Breakdown
Residential
5,489
Single Family
29
Multi-Family
5,460
Businesses
768
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 1910
871.20 sqft lot
$N/A/sqft
$711 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55101, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,886 (100%) |
| Owner Occupied HU | 1,155 (19.6%) |
| Renter Occupied HU | 4,164 (70.7%) |
| Vacant Housing Units | 567 ( 9.6%) |
| Median Home Value | $276,736 |
| Average Home Value | $344,045 |
Housing Distribution
Address Breakdown
Residential
5,489
Single Family
29
Multi-Family
5,460
Businesses
768
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices