7889 18th St NOakdaleMN55128
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 7889 18th St N, Oakdale, MN, 55128 in Oakdale delivers $3,134/mo in gross rent and $268/mo in net monthly income at a $459,000 entry. The 8.19% yield and 1.52 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $126,813 over five years and $4,227/yr in equity from loan paydown, total projected return is $191,416.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.5% |
| Monthly Cash Flow | $268 | $450 |
City averages based on Oakdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,134 |
| Total Monthly Debt Service | $2,684 |
| 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.
Single Family
Built in 1992
9,583 sqft lot
$N/A/sqft
No 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
Single Family
Built in 1992
9,583 sqft lot
$N/A/sqft
No 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