7155 126th St W #438Saint PaulMN55124
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 7155 126th St W #438, Saint Paul, MN, 55124 in Saint Paul earns a 9.63% gross yield at $139,200. Rent of $1,117/mo nets $248/mo after the $626/mo mortgage. The 1.78 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $38,458 and $1,282/yr in equity accumulation project a total cumulative return of $68,810.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.2% |
| Monthly Cash Flow | $248 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,117 |
| Total Monthly Debt Service | $814 |
| DSCR Ratio | 1.37x |
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.
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55124, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,596 (100%) |
| Owner Occupied HU | 16,067 (71.1%) |
| Renter Occupied HU | 5,796 (25.7%) |
| Vacant Housing Units | 733 ( 3.2%) |
| Median Home Value | $419,093 |
| Average Home Value | $444,563 |
Housing Distribution
Address Breakdown
Residential
22,876
Single Family
18,139
Multi-Family
4,737
Businesses
1,102
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
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55124, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,596 (100%) |
| Owner Occupied HU | 16,067 (71.1%) |
| Renter Occupied HU | 5,796 (25.7%) |
| Vacant Housing Units | 733 ( 3.2%) |
| Median Home Value | $419,093 |
| Average Home Value | $444,563 |
Housing Distribution
Address Breakdown
Residential
22,876
Single Family
18,139
Multi-Family
4,737
Businesses
1,102
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Paul Kellen • Cedar Knolls
Mls Name: My State MLS
Mls ID: #11572526