511 Edmund AveSaint PaulMN55103
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 511 Edmund Ave, Saint Paul, MN, 55103 in Saint Paul is narrow, $102/mo net on $1,382/mo rent after the $922/mo debt service, but the property operates at break-even-plus, not a loss. At $205,000 with a 8.09% yield, the long-run equity case via 5% appreciation ($56,638 over five years) and $1,888/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $84,357.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.2% |
| Monthly Cash Flow | $102 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,382 |
| Total Monthly Debt Service | $1,199 |
| DSCR Ratio | 1.15x |
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 1884
4,922 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55103, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,823 (100%) |
| Owner Occupied HU | 1,573 (32.6%) |
| Renter Occupied HU | 2,966 (61.5%) |
| Vacant Housing Units | 284 ( 5.9%) |
| Median Home Value | $285,052 |
| Average Home Value | $324,463 |
Housing Distribution
Address Breakdown
Residential
5,188
Single Family
3,176
Multi-Family
2,012
Businesses
444
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 1884
4,922 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55103, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,823 (100%) |
| Owner Occupied HU | 1,573 (32.6%) |
| Renter Occupied HU | 2,966 (61.5%) |
| Vacant Housing Units | 284 ( 5.9%) |
| Median Home Value | $285,052 |
| Average Home Value | $324,463 |
Housing Distribution
Address Breakdown
Residential
5,188
Single Family
3,176
Multi-Family
2,012
Businesses
444
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7021916