725 Wilson AveSaint PaulMN55106
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 725 Wilson Ave, Saint Paul, MN, 55106 in Saint Paul fits: $549,000, 5.83% gross yield, and a projected 5% annual appreciation rate adding $151,679 in value within five years. Rental yield 5.83%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.08) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,056/yr in principal paydown and $151,679 in appreciation project a total return of $159,361.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 5.2% |
| Monthly Cash Flow | $(761) | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,668 |
| Total Monthly Debt Service | $3,210 |
| DSCR Ratio | 0.83x |
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.
Multi Family
Built in 2025
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55106, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,418 (100%) |
| Owner Occupied HU | 10,122 (52.1%) |
| Renter Occupied HU | 8,136 (41.9%) |
| Vacant Housing Units | 1,160 ( 6.0%) |
| Median Home Value | $277,944 |
| Average Home Value | $322,155 |
Housing Distribution
Address Breakdown
Residential
18,750
Single Family
15,338
Multi-Family
3,412
Businesses
743
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
Multi Family
Built in 2025
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55106, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,418 (100%) |
| Owner Occupied HU | 10,122 (52.1%) |
| Renter Occupied HU | 8,136 (41.9%) |
| Vacant Housing Units | 1,160 ( 6.0%) |
| Median Home Value | $277,944 |
| Average Home Value | $322,155 |
Housing Distribution
Address Breakdown
Residential
18,750
Single Family
15,338
Multi-Family
3,412
Businesses
743
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #7052078