230 E 13th StSaint CharlesMN55972
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 230 E 13th St, Saint Charles, MN, 55972 in Saint Charles hard to pass up. The 11.34% gross yield on a $219,900 purchase results in $2,077/mo in rent and $704/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.10). Annual cash flow of $8,448, five-year appreciation of $60,754, and $2,025/yr in equity build-up combine for a projected total cumulative return of $128,765.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.2% |
| Monthly Cash Flow | $704 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,077 |
| Total Monthly Debt Service | $1,286 |
| DSCR Ratio | 1.62x |
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 1925
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55972, Saint Charles, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,099 (100%) |
| Owner Occupied HU | 1,511 (72.0%) |
| Renter Occupied HU | 476 (22.7%) |
| Vacant Housing Units | 112 ( 5.3%) |
| Median Home Value | $302,063 |
| Average Home Value | $403,921 |
Housing Distribution
Address Breakdown
Residential
2,067
Single Family
1,906
Multi-Family
161
Businesses
168
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 1925
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55972, Saint Charles, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,099 (100%) |
| Owner Occupied HU | 1,511 (72.0%) |
| Renter Occupied HU | 476 (22.7%) |
| Vacant Housing Units | 112 ( 5.3%) |
| Median Home Value | $302,063 |
| Average Home Value | $403,921 |
Housing Distribution
Address Breakdown
Residential
2,067
Single Family
1,906
Multi-Family
161
Businesses
168
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Camille Hanson • Counselor Realty of Rochester
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6786028