437 Hatch AveSaint PaulMN55117
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 437 Hatch Ave, Saint Paul, MN, 55117 in Saint Paul is narrow, $2/mo net on $2,187/mo rent after the $1,574/mo debt service, but the property operates at break-even-plus, not a loss. At $350,000 with a 7.5% yield, the long-run equity case via 5% appreciation ($96,699 over five years) and $3,224/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $132,919.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.2% |
| Monthly Cash Flow | $2 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,187 |
| Total Monthly Debt Service | $2,046 |
| DSCR Ratio | 1.07x |
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 1960
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55117, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,460 (100%) |
| Owner Occupied HU | 9,125 (52.3%) |
| Renter Occupied HU | 7,602 (43.5%) |
| Vacant Housing Units | 733 ( 4.2%) |
| Median Home Value | $306,338 |
| Average Home Value | $366,984 |
Housing Distribution
Address Breakdown
Residential
16,588
Single Family
11,269
Multi-Family
5,319
Businesses
867
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 1960
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55117, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,460 (100%) |
| Owner Occupied HU | 9,125 (52.3%) |
| Renter Occupied HU | 7,602 (43.5%) |
| Vacant Housing Units | 733 ( 4.2%) |
| Median Home Value | $306,338 |
| Average Home Value | $366,984 |
Housing Distribution
Address Breakdown
Residential
16,588
Single Family
11,269
Multi-Family
5,319
Businesses
867
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Van-Ha T Nguyen • Keystone Realty MN
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #6721489
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