2810 Hillvale TrlSaint PaulMN55128
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.54% yield at 2810 Hillvale Trl, Saint Paul, MN, 55128 in Saint Paul is solid, but the $1,780/mo payment compresses net cash flow to $15/mo at $395,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $109,380 by year five, and $3,646/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.40) without U.S. income documentation. Total projected return: $151,255.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.2% |
| Monthly Cash Flow | $15 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,488 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.07x |
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 1987
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55128, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,062 (100%) |
| Owner Occupied HU | 9,012 (69.0%) |
| Renter Occupied HU | 3,381 (25.9%) |
| Vacant Housing Units | 669 ( 5.1%) |
| Median Home Value | $350,851 |
| Average Home Value | $408,487 |
Housing Distribution
Address Breakdown
Residential
12,003
Single Family
10,104
Multi-Family
1,899
Businesses
819
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 1987
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55128, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,062 (100%) |
| Owner Occupied HU | 9,012 (69.0%) |
| Renter Occupied HU | 3,381 (25.9%) |
| Vacant Housing Units | 669 ( 5.1%) |
| Median Home Value | $350,851 |
| Average Home Value | $408,487 |
Housing Distribution
Address Breakdown
Residential
12,003
Single Family
10,104
Multi-Family
1,899
Businesses
819
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7029860