260 Winifred St ESaint PaulMN55107
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 260 Winifred St E, Saint Paul, MN, 55107 in Saint Paul: $2,670/mo in rent, $772/mo net, 10.54% gross yield, all on a $303,900 acquisition. The 1.95 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $83,962 in value, and $2,799/yr in principal paydown steadily builds equity. Projected total cumulative return: $164,977.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 5.2% |
| Monthly Cash Flow | $772 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,670 |
| Total Monthly Debt Service | $1,777 |
| DSCR Ratio | 1.50x |
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 1977
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55107, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,521 (100%) |
| Owner Occupied HU | 2,993 (45.9%) |
| Renter Occupied HU | 3,007 (46.1%) |
| Vacant Housing Units | 521 ( 8.0%) |
| Median Home Value | $319,900 |
| Average Home Value | $356,688 |
Housing Distribution
Address Breakdown
Residential
5,886
Single Family
4,395
Multi-Family
1,491
Businesses
474
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 1977
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55107, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,521 (100%) |
| Owner Occupied HU | 2,993 (45.9%) |
| Renter Occupied HU | 3,007 (46.1%) |
| Vacant Housing Units | 521 ( 8.0%) |
| Median Home Value | $319,900 |
| Average Home Value | $356,688 |
Housing Distribution
Address Breakdown
Residential
5,886
Single Family
4,395
Multi-Family
1,491
Businesses
474
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Steve Koleno • Beycome Brokerage Realty LLC
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6806176