303 Cesar Chavez StSaint PaulMN55107
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 303 Cesar Chavez St, Saint Paul, MN, 55107 in Saint Paul worth modelling. At $270,000 with a 8.37% gross yield, the $1,883/mo rent leaves $197/mo after the $1,214/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.55 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $74,596 by year five; $2,487/yr in principal reduction adds further equity. Total projected return: $115,157.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.2% |
| Monthly Cash Flow | $197 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,883 |
| Total Monthly Debt Service | $1,579 |
| DSCR Ratio | 1.19x |
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 1884
4,878 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 1884
4,878 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: Yvonne Flaifel • Keller Williams Realty Integrity Lakes
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6823704