3304 River Bluff Dr #75Saint PaulMN55121
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3304 River Bluff Dr #75, Saint Paul, MN, 55121 in Saint Paul at $239,900 earns $1,679/mo in rent and nets $181/mo after the $1,079/mo payment, a 8.4% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $66,280 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $2,210/yr in principal paydown, total projected return reaches $102,717.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.2% |
| Monthly Cash Flow | $181 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,679 |
| Total Monthly Debt Service | $1,403 |
| DSCR Ratio | 1.20x |
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.
Townhouse
Built in 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55121, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,019 (100%) |
| Owner Occupied HU | 1,842 (36.7%) |
| Renter Occupied HU | 2,859 (57.0%) |
| Vacant Housing Units | 318 ( 6.3%) |
| Median Home Value | $392,216 |
| Average Home Value | $399,373 |
Housing Distribution
Address Breakdown
Residential
4,823
Single Family
2,072
Multi-Family
2,751
Businesses
1,452
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
Townhouse
Built in 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55121, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,019 (100%) |
| Owner Occupied HU | 1,842 (36.7%) |
| Renter Occupied HU | 2,859 (57.0%) |
| Vacant Housing Units | 318 ( 6.3%) |
| Median Home Value | $392,216 |
| Average Home Value | $399,373 |
Housing Distribution
Address Breakdown
Residential
4,823
Single Family
2,072
Multi-Family
2,751
Businesses
1,452
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin J. Conoryea • Fieldstone Real Estate Specialists
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6755772