53 Spring Farm RdNorth OaksMN55127
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 53 Spring Farm Rd, North Oaks, MN, 55127 in North Oaks worth study. Rental yield 3.31%. The 3.31% gross yield is below cash-flow benchmarks at $1,020,700, but 5% annual appreciation, adding $282,001 over five years, frames this as a capital growth position. Rent of $2,812/mo partially offsets the $4,590/mo payment. Ziffy Mortgage finances appreciation-play properties (0.61 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $126,239.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 7.5% |
| Monthly Cash Flow | $(4,093) | $350 |
City averages based on North Oaks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,812 |
| Total Monthly Debt Service | $6,499 |
| DSCR Ratio | 0.43x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Townhouse
Built in 2024
6,534 sqft lot
$N/A/sqft
$531 monthly 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 |
Housing Distribution
Address Breakdown
Residential
8,077
Single Family
7,259
Multi-Family
818
Businesses
429
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
Townhouse
Built in 2024
6,534 sqft lot
$N/A/sqft
$531 monthly 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 |
Housing Distribution
Address Breakdown
Residential
8,077
Single Family
7,259
Multi-Family
818
Businesses
429
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices