79 Spring Farm RdNorth OaksMN55127
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 79 Spring Farm Rd, North Oaks, MN, 55127 in North Oaks. Rental yield 3.63%. At $929,300 with 3.63% gross yield, current distributions are modest, but the 5% appreciation rate projects $256,748 in new equity by year five, complemented by $8,559/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.67) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $160,126.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 7.5% |
| Monthly Cash Flow | $(2,991) | $350 |
City averages based on North Oaks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,812 |
| Total Monthly Debt Service | $5,433 |
| DSCR Ratio | 0.52x |
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.
Townhouse
Built in 2025
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55127, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,547 (100%) |
| Owner Occupied HU | 6,292 (73.6%) |
| Renter Occupied HU | 1,775 (20.8%) |
| Vacant Housing Units | 480 ( 5.6%) |
| Median Home Value | $458,516 |
| Average Home Value | $534,441 |
Housing Distribution
Address Breakdown
Residential
8,077
Single Family
7,259
Multi-Family
818
Businesses
429
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 2025
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55127, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,547 (100%) |
| Owner Occupied HU | 6,292 (73.6%) |
| Renter Occupied HU | 1,775 (20.8%) |
| Vacant Housing Units | 480 ( 5.6%) |
| Median Home Value | $458,516 |
| Average Home Value | $534,441 |
Housing Distribution
Address Breakdown
Residential
8,077
Single Family
7,259
Multi-Family
818
Businesses
429
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sonia Kohli • Edina Realty, Inc.
Mls Name: NorthstarMLS as distributed by MLS GRID
Mls ID: #6800548