26 10th St W UNIT 402Saint PaulMN55102
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 26 10th St W UNIT 402, Saint Paul, MN, 55102 in Saint Paul at $108,999 earns $839/mo in rent and nets $158/mo after the $490/mo payment, a 9.24% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,114 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $1,004/yr in principal paydown, total projected return reaches $51,560.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.2% |
| Monthly Cash Flow | $158 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $839 |
| Total Monthly Debt Service | $637 |
| DSCR Ratio | 1.32x |
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.
Condo
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55102, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,901 (100%) |
| Owner Occupied HU | 4,204 (35.3%) |
| Renter Occupied HU | 6,726 (56.5%) |
| Vacant Housing Units | 971 ( 8.2%) |
| Median Home Value | $379,658 |
| Average Home Value | $449,212 |
Housing Distribution
Address Breakdown
Residential
11,743
Single Family
4,352
Multi-Family
7,391
Businesses
889
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 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55102, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,901 (100%) |
| Owner Occupied HU | 4,204 (35.3%) |
| Renter Occupied HU | 6,726 (56.5%) |
| Vacant Housing Units | 971 ( 8.2%) |
| Median Home Value | $379,658 |
| Average Home Value | $449,212 |
Housing Distribution
Address Breakdown
Residential
11,743
Single Family
4,352
Multi-Family
7,391
Businesses
889
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carter Anderson • National Realty Guild
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6742248