570 State St APT BSaint PaulMN55107
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 570 State St APT B, Saint Paul, MN, 55107 in Saint Paul speaks for itself: 17.12% gross on a $227,900 price, generating $3,251/mo in rent and $1,232/mo in net income after the $1,025/mo debt service. DSCR 3.17, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,790 stacks alongside $62,965 in projected five-year appreciation and $2,099/yr in principal reduction. Projected total cumulative return: $168,424.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.1% | 5.2% |
| Monthly Cash Flow | $1,232 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,251 |
| Total Monthly Debt Service | $1,928 |
| DSCR Ratio | 1.69x |
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.
Townhouse
Built in 2005
1,306 sqft lot
$N/A/sqft
$516 monthly 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
Townhouse
Built in 2005
1,306 sqft lot
$N/A/sqft
$516 monthly 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