2544 19th Ave ENorth Saint PaulMN55109
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 2544 19th Ave E, North Saint Paul, MN, 55109 in North Saint Paul at $329,900 earns $2,080/mo in rent and nets $20/mo after the $1,483/mo payment, a 7.56% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $91,145 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $3,038/yr in principal paydown, total projected return reaches $126,499.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $20 | $250 |
City averages based on North Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,080 |
| Total Monthly Debt Service | $1,929 |
| DSCR Ratio | 1.08x |
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 1938
0.32 Acres 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 1938
0.32 Acres 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: Jenner A Moretto • Counselor Realty, Inc.
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6768135