892 4th St ESaint PaulMN55106
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 892 4th St E, Saint Paul, MN, 55106 in Saint Paul at $365,000, 4.66% gross yield, is a market-growth asset. Rental yield 4.66%. The $1,417/mo rent partially funds the $1,641/mo debt service; the core return is the 5%/yr price growth projected to add $100,843 over five years. Ziffy Mortgage's DSCR mortgage (0.86) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $83,064.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.2% |
| Monthly Cash Flow | $(862) | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,417 |
| Total Monthly Debt Service | $2,134 |
| DSCR Ratio | 0.66x |
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 1900
4,922 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 1900
4,922 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: #7075602