7622 12th St NOakdaleMN55128
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 7622 12th St N, Oakdale, MN, 55128 in Oakdale achieves 1.58, rent of $1,923/mo covers the $1,214/mo payment 1.5x over at $269,900. Rental yield 8.55%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $74,568 over five years, with $2,486/yr in principal reduction bringing total projected return to $97,292.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.5% |
| Monthly Cash Flow | $(102) | $450 |
City averages based on Oakdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,923 |
| Total Monthly Debt Service | $1,918 |
| DSCR Ratio | 1.00x |
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 1991
4,356 sqft lot
$N/A/sqft
$340 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55128, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,062 (100%) |
| Owner Occupied HU | 9,012 (69.0%) |
| Renter Occupied HU | 3,381 (25.9%) |
| Vacant Housing Units | 669 ( 5.1%) |
| Median Home Value | $350,851 |
| Average Home Value | $408,487 |
Housing Distribution
Address Breakdown
Residential
12,003
Single Family
10,104
Multi-Family
1,899
Businesses
819
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 1991
4,356 sqft lot
$N/A/sqft
$340 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55128, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,062 (100%) |
| Owner Occupied HU | 9,012 (69.0%) |
| Renter Occupied HU | 3,381 (25.9%) |
| Vacant Housing Units | 669 ( 5.1%) |
| Median Home Value | $350,851 |
| Average Home Value | $408,487 |
Housing Distribution
Address Breakdown
Residential
12,003
Single Family
10,104
Multi-Family
1,899
Businesses
819
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Charles A. Merck • Merck Real Estate Company, LLC
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #6688340
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