40 Winona St ESaint PaulMN55107
INVESTMENT ANALYSIS
Investment Verdict
Solid Income40 Winona St E, Saint Paul, MN, 55107 in Saint Paul is a solid income-producing rental, 9.52% gross yield, $1,903/mo rent, $405/mo net cash flow on a $239,999 buy. DSCR 1.76 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $66,307 and $2,210/yr in principal reduction project a total cumulative return of $117,101.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.2% |
| Monthly Cash Flow | $405 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,903 |
| Total Monthly Debt Service | $1,403 |
| DSCR Ratio | 1.36x |
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 1951
5,314 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 1951
5,314 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: Morgan Sanchez • JFH Realty
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7019185