905 Falls Psge W #HSaint PaulMN55116
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 905 Falls Psge W #H, Saint Paul, MN, 55116 in Saint Paul is capital appreciation. Rental yield 1.91%. The 1.91% gross yield at $847,990 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $234,284 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.35) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $47,686.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 5.2% |
| Monthly Cash Flow | $(4,282) | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,350 |
| Total Monthly Debt Service | $5,295 |
| DSCR Ratio | 0.25x |
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 2024
N/A lot
$N/A/sqft
$337 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55116, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,930 (100%) |
| Owner Occupied HU | 5,855 (45.3%) |
| Renter Occupied HU | 6,318 (48.9%) |
| Vacant Housing Units | 757 ( 5.9%) |
| Median Home Value | $440,737 |
| Average Home Value | $493,926 |
Housing Distribution
Address Breakdown
Residential
12,521
Single Family
6,308
Multi-Family
6,213
Businesses
476
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 2024
N/A lot
$N/A/sqft
$337 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55116, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,930 (100%) |
| Owner Occupied HU | 5,855 (45.3%) |
| Renter Occupied HU | 6,318 (48.9%) |
| Vacant Housing Units | 757 ( 5.9%) |
| Median Home Value | $440,737 |
| Average Home Value | $493,926 |
Housing Distribution
Address Breakdown
Residential
12,521
Single Family
6,308
Multi-Family
6,213
Businesses
476
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices