3512 Hilltop StWhite Bear LakeMN55110




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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


Investment Highlights
Investment property for sale in White Bear Lake at 3512 Hilltop St, White Bear Lake, MN, 55110 uses $124,313 cash to close to unlock $9,621/yr annual cash flow and $802/mo monthly cash flow. Total monthly income runs $3,143/mo, and a $1,835/mo payment keeps the spread at $802/mo. Purchase price stands at $375,000, and rental yield measures 10.06% with $3,143/mo rent. Return on cash invested shows 27.65% in year one, and 5% annual appreciation builds toward $103,606 over five years. Five-year ROI reaches 144.42% and total cumulative return in cash records $179,535. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $3,143/mo property income covering a $1,835/mo payment rather than investor’s personal income.
Single Family
Built in 1960
0.32 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55110, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,981 (100%) |
| Owner Occupied HU | 12,150 (71.6%) |
| Renter Occupied HU | 4,031 (23.7%) |
| Vacant Housing Units | 800 ( 4.7%) |
| Median Home Value | $379,058 |
| Average Home Value | $444,905 |
Housing Distribution
Address Breakdown
Residential
16,447
Single Family
13,844
Multi-Family
2,603
Businesses
1,235
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Listed by: The Snyder Team • eXp Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6788471








