315 25th Ave N

Minneapolis, MN · Hawthorne · Find the listing ↗

Asking price: $265,000
Monthly cash flow: −$147
Estimated rent: $2,700/mo
Break-even price: $237,328

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

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: No rent cap.

Price: $265,000
Monthly cash flow: −$147
Cash to close: $60,950
Cap rate: 5.7%
Cash-on-cash: −2.9%
DSCR: 0.90×
GRM: 8.2
Price per unit: $132,500
Price that breaks even: $237,328
Rent that breaks even: $2,891/mo
Cash flow turns positive: year 6
Year 30: property vs stocks: $927K vs $495K

Monthly breakdown

Rent	$2,700
Vacancy (6%)	−$162
Collected	$2,538
Property tax Public record	−$382
Insurance Estimate	−$204
Water, sewer, trash Estimate	−$170
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (8% of rent)	−$216
Capital reserve (9% of rent)	−$243
Net operating income	$1,263
Mortgage (principal + interest)	−$1,410
Cash flow	−$147
Principal paid down (equity, not cash)	$179

Cash flow each year

Rents +3%/yr, 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 $927K, stocks $495K. The property wins.

How those totals add up

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$643,225
Minus 6% selling cost	−$38,593
Minus loan still owedTenants' rent paid down all $238,500 of principal by year 30	$0
Plus rental profits, invested at 7%$129,720 of profit by year 30, before investment growth	$207,997
What you'd walk away with	$812,628
If you put the same money in stocks
Cash to close ($34,450) invested at 7%	$262,242
Monthly shortfalls ($26,583 total by yr 30) investedThe money you'd have put into the building while it lost money	$163,030
What you'd walk away with	$425,273
Building minus stocks	$387,355

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$643,225
Minus 6% selling cost	−$38,593
Minus loan still owedTenants' rent paid down all $238,500 of principal by year 30	$0
Plus rental profits, invested at 7%$42,608 of profit by year 30, before investment growth	$55,630
What you'd walk away with	$660,261
If you put the same money in stocks
Cash to close ($34,450) invested at 7%	$262,242
Monthly shortfalls ($69,877 total by yr 30) investedThe money you'd have put into the building while it lost money	$365,971
What you'd walk away with	$628,213
Building minus stocks	$32,048

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$618,952
Minus 6% selling cost	−$37,137
Minus loan still owedTenants' rent paid down all $229,500 of principal by year 30	$0
Plus rental profits, invested at 7%$145,198 of profit by year 30, before investment growth	$241,846
What you'd walk away with	$823,660
If you put the same money in stocks
Cash to close ($33,150) invested at 7%	$252,346
Monthly shortfalls ($20,235 total by yr 30) investedThe money you'd have put into the building while it lost money	$127,266
What you'd walk away with	$379,612
Building minus stocks	$444,048

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$618,952
Minus 6% selling cost	−$37,137
Minus loan still owedTenants' rent paid down all $229,500 of principal by year 30	$0
Plus rental profits, invested at 7%$52,286 of profit by year 30, before investment growth	$70,915
What you'd walk away with	$652,730
If you put the same money in stocks
Cash to close ($33,150) invested at 7%	$252,346
Monthly shortfalls ($57,729 total by yr 30) investedThe money you'd have put into the building while it lost money	$311,642
What you'd walk away with	$563,988
Building minus stocks	$88,742

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$643,225
Minus 6% selling cost	−$38,593
Minus loan still owedTenants' rent paid down all $212,000 of principal by year 30	$0
Plus rental profits, invested at 7%$178,435 of profit by year 30, before investment growth	$321,883
What you'd walk away with	$926,514
If you put the same money in stocks
Cash to close ($60,950) invested at 7%	$463,967
Monthly shortfalls ($4,673 total by yr 30) investedThe money you'd have put into the building while it lost money	$30,948
What you'd walk away with	$494,915
Building minus stocks	$431,599

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$643,225
Minus 6% selling cost	−$38,593
Minus loan still owedTenants' rent paid down all $212,000 of principal by year 30	$0
Plus rental profits, invested at 7%$74,309 of profit by year 30, before investment growth	$109,060
What you'd walk away with	$713,691
If you put the same money in stocks
Cash to close ($60,950) invested at 7%	$463,967
Monthly shortfalls ($30,953 total by yr 30) investedThe money you'd have put into the building while it lost money	$173,432
What you'd walk away with	$637,399
Building minus stocks	$76,292

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$618,952
Minus 6% selling cost	−$37,137
Minus loan still owedTenants' rent paid down all $204,000 of principal by year 30	$0
Plus rental profits, invested at 7%$195,081 of profit by year 30, before investment growth	$366,008
What you'd walk away with	$947,823
If you put the same money in stocks
Cash to close ($58,650) invested at 7%	$446,459
Monthly shortfalls ($2,158 total by yr 30) investedThe money you'd have put into the building while it lost money	$14,742
What you'd walk away with	$461,201
Building minus stocks	$486,622

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$618,952
Minus 6% selling cost	−$37,137
Minus loan still owedTenants' rent paid down all $204,000 of principal by year 30	$0
Plus rental profits, invested at 7%$85,908 of profit by year 30, before investment growth	$131,135
What you'd walk away with	$712,950
If you put the same money in stocks
Cash to close ($58,650) invested at 7%	$446,459
Monthly shortfalls ($23,392 total by yr 30) investedThe money you'd have put into the building while it lost money	$135,176
What you'd walk away with	$581,634
Building minus stocks	$131,316

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$643,225
Minus 6% selling cost	−$38,593
Minus loan still owedTenants' rent paid down all $198,750 of principal by year 30	$0
Plus rental profits, invested at 7%$206,510 of profit by year 30, before investment growth	$397,926
What you'd walk away with	$1,002,558
If you put the same money in stocks
Cash to close ($74,200) invested at 7%	$564,829
Monthly shortfalls ($1,013 total by yr 30) investedThe money you'd have put into the building while it lost money	$7,068
What you'd walk away with	$571,897
Building minus stocks	$430,661

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$643,225
Minus 6% selling cost	−$38,593
Minus loan still owedTenants' rent paid down all $198,750 of principal by year 30	$0
Plus rental profits, invested at 7%$94,039 of profit by year 30, before investment growth	$147,406
What you'd walk away with	$752,037
If you put the same money in stocks
Cash to close ($74,200) invested at 7%	$564,829
Monthly shortfalls ($18,948 total by yr 30) investedThe money you'd have put into the building while it lost money	$111,854
What you'd walk away with	$676,683
Building minus stocks	$75,354

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$618,952
Minus 6% selling cost	−$37,137
Minus loan still owedTenants' rent paid down all $191,250 of principal by year 30	$0
Plus rental profits, invested at 7%$223,571 of profit by year 30, before investment growth	$448,207
What you'd walk away with	$1,030,022
If you put the same money in stocks
Cash to close ($71,400) invested at 7%	$543,515
Monthly shortfalls ($111 total by yr 30) investedThe money you'd have put into the building while it lost money	$788
What you'd walk away with	$544,303
Building minus stocks	$485,719

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$618,952
Minus 6% selling cost	−$37,137
Minus loan still owedTenants' rent paid down all $191,250 of principal by year 30	$0
Plus rental profits, invested at 7%$106,378 of profit by year 30, before investment growth	$173,360
What you'd walk away with	$755,174
If you put the same money in stocks
Cash to close ($71,400) invested at 7%	$543,515
Monthly shortfalls ($13,324 total by yr 30) investedThe money you'd have put into the building while it lost money	$81,247
What you'd walk away with	$624,762
Building minus stocks	$130,412

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

mediumAbout 120 m from I 94: traffic noise usually costs $50–100/month in rent. Based on: OpenStreetMap: nearest motorway (I 94) at 120 m

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 recordHennepin County record, current payable year (non-homestead)	$4,585
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$2,445
Water, sewer, trash / mo Estimateestimate. $85/unit/mo, owner-paid	$170
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	duplex
Living units	2
Year built	1900
Market value (2026)	$241,400
Property tax	$4,585
Special assessments	none
Homestead	no
Last sale	2022-09-01 · $240,000

Source: Hennepin County parcel records.

City rental license

CHOWN: 2 unit(s), Tier 1, status active, renews 2027-03-01.

Nearest highway

I 94, about 120 m away.

Crime in Hawthorne

446 incidents in the last 12 months (79 per 1,000 residents), −1% vs. the year before. Minneapolis police incidents, all reported offenses (definitions differ from St. Paul's, so don't compare across cities).

Status history

2026-09-16New at $265,000