St. Paul › Como Park

1083 Chatsworth St N

Saint Paul, MN · Como Park · Listing office ↗ · Find the listing ↗

Overpriced

Asking price: $550,000
Monthly cash flow: −$732
Estimated rent: $4,500/mo
Break-even price: $412,451

Adjust these numbers in the calculator See the full breakdown

The numbers

Default: 20% down (no PMI), offer at asking, self-managed, 7.00% for 30 years, buyer pays closing costs (3%).

Estimated rent per unit Estimate

2 bed / 1 bath (est.)$1,350 $1,150–$1,550
1 bed / 1 bath (est.)$1,050 $900–$1,200
1 bed / 1 bath (est.)$1,050 $900–$1,200
1 bed / 1 bath (est.)$1,050 $900–$1,200

Rough screening estimate from bedroom count only ($750 + $300 per bedroom, ±15%). Not comparable-rental data; a RentCast estimate replaces it for the top candidates. Confidence: low.

Rent rules: Capped at 3%/yr for sitting tenants.

Price: $550,000
Monthly cash flow: −$732
Cash to close: $126,500
Cap rate: 4.8%
Cash-on-cash: −6.9%
DSCR: 0.75×
GRM: 10.2
Price per unit: $137,500
Price that breaks even: $412,451
Rent that breaks even: $5,451/mo
Cash flow turns positive: year 12
Year 30: property vs stocks: $1.55M vs $1.27M

Monthly breakdown

Rent	$4,500
Vacancy (6%)	−$270
Collected	$4,230
Property tax Public record	−$469
Insurance Estimate	−$401
Water, sewer, trash Estimate	−$340
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (8% of rent)	−$360
Capital reserve (9% of rent)	−$405
Net operating income	$2,195
Mortgage (principal + interest)	−$2,927
Cash flow	−$732
Principal paid down (equity, not cash)	$372

Cash flow each year

Rents +3%/yr (St. Paul's cap for sitting tenants), costs +3.5%/yr. Red bars are months you'd cover out of pocket.

30 years: this property vs. the same money in stocks

This propertyStocks at 7%

Year 30 (loan paid off): property $1.55M, stocks $1.27M. The property wins.

How those totals add up

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,334,994
Minus 6% selling cost	−$80,100
Minus loan still owedTenants' rent paid down all $495,000 of principal by year 30	$0
Plus rental profits, invested at 7%$119,754 of profit by year 30, before investment growth	$162,354
What you'd walk away with	$1,417,248
If you put the same money in stocks
Cash to close ($71,500) invested at 7%	$544,276
Monthly shortfalls ($128,568 total by yr 30) investedThe money you'd have put into the building while it lost money	$693,311
What you'd walk away with	$1,237,587
Building minus stocks	$179,661

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,334,994
Minus 6% selling cost	−$80,100
Minus loan still owedTenants' rent paid down all $495,000 of principal by year 30	$0
Plus rental profits, invested at 7%$21,661 of profit by year 30, before investment growth	$24,291
What you'd walk away with	$1,279,186
If you put the same money in stocks
Cash to close ($71,500) invested at 7%	$544,276
Monthly shortfalls ($247,819 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,147,426
What you'd walk away with	$1,691,702
Building minus stocks	−$412,516

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,310,722
Minus 6% selling cost	−$78,643
Minus loan still owedTenants' rent paid down all $486,000 of principal by year 30	$0
Plus rental profits, invested at 7%$130,266 of profit by year 30, before investment growth	$179,723
What you'd walk away with	$1,411,802
If you put the same money in stocks
Cash to close ($70,200) invested at 7%	$534,380
Monthly shortfalls ($117,254 total by yr 30) investedThe money you'd have put into the building while it lost money	$641,067
What you'd walk away with	$1,175,448
Building minus stocks	$236,354

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,310,722
Minus 6% selling cost	−$78,643
Minus loan still owedTenants' rent paid down all $486,000 of principal by year 30	$0
Plus rental profits, invested at 7%$26,603 of profit by year 30, before investment growth	$30,377
What you'd walk away with	$1,262,455
If you put the same money in stocks
Cash to close ($70,200) invested at 7%	$534,380
Monthly shortfalls ($230,934 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,083,899
What you'd walk away with	$1,618,279
Building minus stocks	−$355,824

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,334,994
Minus 6% selling cost	−$80,100
Minus loan still owedTenants' rent paid down all $440,000 of principal by year 30	$0
Plus rental profits, invested at 7%$191,871 of profit by year 30, before investment growth	$290,965
What you'd walk away with	$1,545,860
If you put the same money in stocks
Cash to close ($126,500) invested at 7%	$962,950
Monthly shortfalls ($54,106 total by yr 30) investedThe money you'd have put into the building while it lost money	$311,421
What you'd walk away with	$1,274,371
Building minus stocks	$271,489

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,334,994
Minus 6% selling cost	−$80,100
Minus loan still owedTenants' rent paid down all $440,000 of principal by year 30	$0
Plus rental profits, invested at 7%$59,846 of profit by year 30, before investment growth	$75,022
What you'd walk away with	$1,329,916
If you put the same money in stocks
Cash to close ($126,500) invested at 7%	$962,950
Monthly shortfalls ($139,423 total by yr 30) investedThe money you'd have put into the building while it lost money	$687,655
What you'd walk away with	$1,650,606
Building minus stocks	−$320,690

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,310,722
Minus 6% selling cost	−$78,643
Minus loan still owedTenants' rent paid down all $432,000 of principal by year 30	$0
Plus rental profits, invested at 7%$204,006 of profit by year 30, before investment growth	$314,838
What you'd walk away with	$1,546,917
If you put the same money in stocks
Cash to close ($124,200) invested at 7%	$945,442
Monthly shortfalls ($47,080 total by yr 30) investedThe money you'd have put into the building while it lost money	$274,963
What you'd walk away with	$1,220,405
Building minus stocks	$326,512

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,310,722
Minus 6% selling cost	−$78,643
Minus loan still owedTenants' rent paid down all $432,000 of principal by year 30	$0
Plus rental profits, invested at 7%$67,089 of profit by year 30, before investment growth	$85,561
What you'd walk away with	$1,317,639
If you put the same money in stocks
Cash to close ($124,200) invested at 7%	$945,442
Monthly shortfalls ($127,506 total by yr 30) investedThe money you'd have put into the building while it lost money	$637,863
What you'd walk away with	$1,583,305
Building minus stocks	−$265,666

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,334,994
Minus 6% selling cost	−$80,100
Minus loan still owedTenants' rent paid down all $412,500 of principal by year 30	$0
Plus rental profits, invested at 7%$235,593 of profit by year 30, before investment growth	$380,431
What you'd walk away with	$1,635,325
If you put the same money in stocks
Cash to close ($154,000) invested at 7%	$1,172,287
Monthly shortfalls ($31,963 total by yr 30) investedThe money you'd have put into the building while it lost money	$193,498
What you'd walk away with	$1,365,785
Building minus stocks	$269,540

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,334,994
Minus 6% selling cost	−$80,100
Minus loan still owedTenants' rent paid down all $412,500 of principal by year 30	$0
Plus rental profits, invested at 7%$86,706 of profit by year 30, before investment growth	$115,523
What you'd walk away with	$1,370,418
If you put the same money in stocks
Cash to close ($154,000) invested at 7%	$1,172,287
Monthly shortfalls ($100,419 total by yr 30) investedThe money you'd have put into the building while it lost money	$520,768
What you'd walk away with	$1,693,056
Building minus stocks	−$322,638

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,310,722
Minus 6% selling cost	−$78,643
Minus loan still owedTenants' rent paid down all $405,000 of principal by year 30	$0
Plus rental profits, invested at 7%$248,442 of profit by year 30, before investment growth	$408,430
What you'd walk away with	$1,640,508
If you put the same money in stocks
Cash to close ($151,200) invested at 7%	$1,150,973
Monthly shortfalls ($26,848 total by yr 30) investedThe money you'd have put into the building while it lost money	$164,937
What you'd walk away with	$1,315,910
Building minus stocks	$324,598

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,310,722
Minus 6% selling cost	−$78,643
Minus loan still owedTenants' rent paid down all $405,000 of principal by year 30	$0
Plus rental profits, invested at 7%$95,089 of profit by year 30, before investment growth	$129,026
What you'd walk away with	$1,361,104
If you put the same money in stocks
Cash to close ($151,200) invested at 7%	$1,150,973
Monthly shortfalls ($90,839 total by yr 30) investedThe money you'd have put into the building while it lost money	$477,710
What you'd walk away with	$1,628,683
Building minus stocks	−$267,579

Future dollars. At 3% inflation, divide year-30 figures by about 2.4 for today's buying power. Rental profits are assumed invested, not spent.

Red flags and opportunities

Watch for

mediumNo rental certificate (CofO) on file in the city's data. Ask whether the building is licensed as a rental and when it was last inspected. Public record: St. Paul Certificate of Occupancy – Residential: no record for 1083 CHATSWORTH ST N (dataset last updated mid-2025)
medium$1,102 in special assessments on the payable 2026 tax bill (often street, sewer or code-enforcement charges). Ask what they're for, whether they continue, and whether the seller pays them off at closing. Public record: Ramsey County parcel 262923220145: special assessments (payable 2026) = $1,101.88

Opportunities

None found.

Questions for the agent

Can we see the current leases and a rent roll, with move-in dates?
What did water/sewer/trash, heat and electric cost the owner over the last 12 months?
How old are the roof, boiler or furnaces, water heaters and electrical panels?
Is the building licensed as a rental for this many units, and when was the last city inspection?
Any special assessments pending, and will the seller pay them off at closing?

Standard questions worth asking about any building.

What the records say

Where each number comes from

Property tax / yr Public recordRamsey County record, payable 2026 (non-homestead)	$5,630
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$4,807
Water, sewer, trash / mo Estimateestimate. $85/unit/mo, owner-paid	$340
Heat / mo Assumptionassumption. tenants pay heat; confirm with the agent	$0
Lawn care / mo Assumptionassumption. $120/mo for 6 months, spread over 12; no snow removal	$60
Repairs / capital reserve Rulerule. built 1900: +1 pt capital reserve	8% / 9%

County record Public record

Recorded as	apartments 4-6 rental units
Living units	4
Year built	1900
Market value (2026)	$447,400
Property tax, payable 2026	$5,630
Special assessments	$1,102
Homestead	no
Last sale	2021-07-12 · $475,000

Source: Ramsey County parcel records.

City rental certificate (CofO)

No record in St. Paul Certificate of Occupancy – Residential (dataset last updated mid-2025).

Nearest highway

I 94, about 2461 m away.

Crime in Como Park

437 incidents in the last 12 months (27 per 1,000 residents), −8% vs. the year before. St. Paul police incidents, excluding proactive visits and community events.

Status history

2026-02-28Price cut at $550,000 (was $599,000) · from listing history
2026-09-01New at $550,000