680 Otsego StSaint PaulMN55130
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 680 Otsego St, Saint Paul, MN, 55130 in Saint Paul is the 1.52 coverage ratio: rent of $1,638/mo versus a $1,079/mo debt payment on a $240,000 property. Rental yield 8.19%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $66,308 by year five, with $2,210/yr in equity from paydown. Total projected cumulative return: $100,038.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.2% |
| Monthly Cash Flow | $(121) | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,638 |
| Total Monthly Debt Service | $1,403 |
| DSCR Ratio | 1.17x |
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 1983
3,441 sqft lot
$N/A/sqft
No HOA
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 1983
3,441 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Apani Bourke • Exit Realty Nexus
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7004154