3633 Oak Creek Ter, Vadnais Heights, MN, 55127 | $302/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Vadnais Heights at 3633 Oak Creek Ter, Vadnais Heights, MN, 55127 offers a 8.07% rental yield on a $625,000 purchase with $4,205/mo rent. Total monthly income registers $4,205/mo, and a $3,059/mo payment leaves $302/mo available for distribution. Annual cash flow reaches $3,627/yr on $205,625 to close, and return on cash invested stands at 21.82% in year one. Equity gained on principal adds $4,033/yr while 5% annual appreciation supports $172,676 over five years. Portfolio math shows five-year ROI at 113.16% and total cumulative return in cash at $232,693. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $4,205/mo property income against a $3,059/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Single Family

Built in 1991

0.27 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 55127, Saint Paul, MN area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	8,547 (100%)
Owner Occupied HU	6,292 (73.6%)
Renter Occupied HU	1,775 (20.8%)
Vacant Housing Units	480 ( 5.6%)
Median Home Value	$458,516
Average Home Value	$534,441