545 Ashland Ave APT 4Saint PaulMN55102
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 545 Ashland Ave APT 4, Saint Paul, MN, 55102 in Saint Paul delivers $2,478/mo in gross rent and $255/mo in net monthly income at a $295,000 entry. The 10.08% yield and 1.87 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $81,503 over five years and $2,717/yr in equity from loan paydown, total projected return is $130,026.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 5.2% |
| Monthly Cash Flow | $255 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,478 |
| Total Monthly Debt Service | $2,105 |
| DSCR Ratio | 1.18x |
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.
Condo
Built in 1900
0.03 sqft lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55102, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,901 (100%) |
| Owner Occupied HU | 4,204 (35.3%) |
| Renter Occupied HU | 6,726 (56.5%) |
| Vacant Housing Units | 971 ( 8.2%) |
| Median Home Value | $379,658 |
| Average Home Value | $449,212 |
Housing Distribution
Address Breakdown
Residential
11,743
Single Family
4,352
Multi-Family
7,391
Businesses
889
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
Condo
Built in 1900
0.03 sqft lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55102, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,901 (100%) |
| Owner Occupied HU | 4,204 (35.3%) |
| Renter Occupied HU | 6,726 (56.5%) |
| Vacant Housing Units | 971 ( 8.2%) |
| Median Home Value | $379,658 |
| Average Home Value | $449,212 |
Housing Distribution
Address Breakdown
Residential
11,743
Single Family
4,352
Multi-Family
7,391
Businesses
889
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jonathan Kiernan • BRIX Real Estate
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #6699734
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