St Clair Plan, Trails End CommonsSaint PaulMN55123
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Saint Paul rental at St Clair Plan, Trails End Commons, Saint Paul, MN, 55123 sits in the solid-income band: 8.89% gross yield, $3,170/mo rent, $498/mo net after the $1,925/mo debt service, DSCR 1.65. Entry price of $427,990 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $118,246 and $3,942/yr in principal reduction bring total cumulative return to $194,421.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 5.2% |
| Monthly Cash Flow | $498 | $485 |
City averages based on Saint Paul market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,170 |
| Total Monthly Debt Service | $2,502 |
| DSCR Ratio | 1.27x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55123, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,212 (100%) |
| Owner Occupied HU | 7,830 (76.7%) |
| Renter Occupied HU | 2,246 (22.0%) |
| Vacant Housing Units | 136 ( 1.3%) |
| Median Home Value | $483,797 |
| Average Home Value | $520,606 |
Housing Distribution
Address Breakdown
Residential
10,284
Single Family
8,985
Multi-Family
1,299
Businesses
248
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 55123, Saint Paul, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,212 (100%) |
| Owner Occupied HU | 7,830 (76.7%) |
| Renter Occupied HU | 2,246 (22.0%) |
| Vacant Housing Units | 136 ( 1.3%) |
| Median Home Value | $483,797 |
| Average Home Value | $520,606 |
Housing Distribution
Address Breakdown
Residential
10,284
Single Family
8,985
Multi-Family
1,299
Businesses
248
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Lennar
Mls Name: Lennar Homes
Mls Provider:
Mls ID: #N/A