3813 Brunswick Ave S

Saint Louis Park, MN · View the listing ↗

31 photos

Photos, via Realtor.com.

Asking price: $615,000
Monthly cash flow: −$223
Estimated rent: $5,350/mo
Break-even price: $573,181

Adjust the numbers See the full breakdown

From the listing

Freshly updated and offering incredible flexibility, this spacious Saint Louis Park duplex is ready for its next chapter. Both the upper and lower units feature 3 bedrooms and 1 bathroom, with more than 3,000 finished square feet throughout the property. Extensive improvements include updated kitchens and bathrooms, new cabinetry, appliances, flooring and doors, along with a new roof and siding and newer windows. Outside, enjoy a fenced yard and remodeled garage for additional storage and convenience. Whether you're looking to owner-occupy while generating rental income or add a turnkey property to your portfolio, this one offers plenty of options. The location puts you close to parks, trails, shopping and everyday amenities, with quick access to Highway 100 and Highway 7 for an easy commute throughout the metro.

Description from Realtor.com, MLS #7145043. Believed reliable but not guaranteed; confirm with the listing agent. View on Realtor.com ↗

The numbers

Edit rents, costs and assumptions

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

The deal

Price: $615,000
Cash to close: $141,450
Price per unit: $307,500
GRM: 9.6

Each month

Cash flow: −$223/mo
Cash-on-cash: −1.9%
Cap rate: 6.0%
DSCR: 0.93×

Break-even

Price that breaks even: $573,181
Rent that breaks even: $5,635/mo

Long run

Year 30: property vs stocks: $2.37M vs $1.11M
Cash flow turns positive: year 4

Monthly

Monthly breakdown

Rent	$5,350
Vacancy (6%)	−$321
Collected	$5,029
Property tax Listing	−$679
Insurance Estimate	−$213
Water, sewer, trash Estimate	−$170
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (8% of rent)	−$428
Capital reserve (8% of rent)	−$428
Net operating income	$3,051
Mortgage (principal + interest)	−$3,273
Cash flow	−$223
Principal paid down (equity, not cash)	$416

Cash flow each year

Rents +3%/yr, costs +3.5%/yr. Red bars are months you'd cover out of pocket.

30 years

How those totals add up

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,492,766
Minus 6% selling cost	−$89,566
Minus loan still owedTenants' rent paid down all $553,500 of principal by year 30	$0
Plus rental profits, invested at 7%$391,866 of profit by year 30, before investment growth	$658,159
What you'd walk away with	$2,061,359
If you put the same money in stocks
Cash to close ($79,950) invested at 7%	$608,600
Monthly shortfalls ($46,994 total by yr 30) investedThe money you'd have put into the building while it lost money	$297,341
What you'd walk away with	$905,941
Building minus stocks	$1,155,418

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,492,766
Minus 6% selling cost	−$89,566
Minus loan still owedTenants' rent paid down all $553,500 of principal by year 30	$0
Plus rental profits, invested at 7%$197,292 of profit by year 30, before investment growth	$284,631
What you'd walk away with	$1,687,832
If you put the same money in stocks
Cash to close ($79,950) invested at 7%	$608,600
Monthly shortfalls ($110,818 total by yr 30) investedThe money you'd have put into the building while it lost money	$627,847
What you'd walk away with	$1,236,447
Building minus stocks	$451,385

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,468,494
Minus 6% selling cost	−$88,110
Minus loan still owedTenants' rent paid down all $544,500 of principal by year 30	$0
Plus rental profits, invested at 7%$408,392 of profit by year 30, before investment growth	$696,554
What you'd walk away with	$2,076,938
If you put the same money in stocks
Cash to close ($78,650) invested at 7%	$598,704
Monthly shortfalls ($41,695 total by yr 30) investedThe money you'd have put into the building while it lost money	$266,124
What you'd walk away with	$864,827
Building minus stocks	$1,212,111

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,468,494
Minus 6% selling cost	−$88,110
Minus loan still owedTenants' rent paid down all $544,500 of principal by year 30	$0
Plus rental profits, invested at 7%$209,507 of profit by year 30, before investment growth	$306,791
What you'd walk away with	$1,687,175
If you put the same money in stocks
Cash to close ($78,650) invested at 7%	$598,704
Monthly shortfalls ($101,207 total by yr 30) investedThe money you'd have put into the building while it lost money	$580,394
What you'd walk away with	$1,179,098
Building minus stocks	$508,077

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,492,766
Minus 6% selling cost	−$89,566
Minus loan still owedTenants' rent paid down all $492,000 of principal by year 30	$0
Plus rental profits, invested at 7%$513,666 of profit by year 30, before investment growth	$965,164
What you'd walk away with	$2,368,365
If you put the same money in stocks
Cash to close ($141,450) invested at 7%	$1,076,753
Monthly shortfalls ($4,892 total by yr 30) investedThe money you'd have put into the building while it lost money	$33,514
What you'd walk away with	$1,110,267
Building minus stocks	$1,258,098

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,492,766
Minus 6% selling cost	−$89,566
Minus loan still owedTenants' rent paid down all $492,000 of principal by year 30	$0
Plus rental profits, invested at 7%$289,980 of profit by year 30, before investment growth	$467,034
What you'd walk away with	$1,870,234
If you put the same money in stocks
Cash to close ($141,450) invested at 7%	$1,076,753
Monthly shortfalls ($39,603 total by yr 30) investedThe money you'd have put into the building while it lost money	$239,417
What you'd walk away with	$1,316,170
Building minus stocks	$554,064

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,468,494
Minus 6% selling cost	−$88,110
Minus loan still owedTenants' rent paid down all $484,000 of principal by year 30	$0
Plus rental profits, invested at 7%$530,969 of profit by year 30, before investment growth	$1,013,098
What you'd walk away with	$2,393,482
If you put the same money in stocks
Cash to close ($139,150) invested at 7%	$1,059,245
Monthly shortfalls ($3,034 total by yr 30) investedThe money you'd have put into the building while it lost money	$21,116
What you'd walk away with	$1,080,361
Building minus stocks	$1,313,121

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,468,494
Minus 6% selling cost	−$88,110
Minus loan still owedTenants' rent paid down all $484,000 of principal by year 30	$0
Plus rental profits, invested at 7%$303,572 of profit by year 30, before investment growth	$496,432
What you'd walk away with	$1,876,817
If you put the same money in stocks
Cash to close ($139,150) invested at 7%	$1,059,245
Monthly shortfalls ($34,034 total by yr 30) investedThe money you'd have put into the building while it lost money	$208,484
What you'd walk away with	$1,267,730
Building minus stocks	$609,087

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,492,766
Minus 6% selling cost	−$89,566
Minus loan still owedTenants' rent paid down all $461,250 of principal by year 30	$0
Plus rental profits, invested at 7%$582,639 of profit by year 30, before investment growth	$1,165,085
What you'd walk away with	$2,568,286
If you put the same money in stocks
Cash to close ($172,200) invested at 7%	$1,310,830
Monthly shortfalls ($216 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,537
What you'd walk away with	$1,312,367
Building minus stocks	$1,255,919

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,492,766
Minus 6% selling cost	−$89,566
Minus loan still owedTenants' rent paid down all $461,250 of principal by year 30	$0
Plus rental profits, invested at 7%$344,478 of profit by year 30, before investment growth	$589,642
What you'd walk away with	$1,992,843
If you put the same money in stocks
Cash to close ($172,200) invested at 7%	$1,310,830
Monthly shortfalls ($20,452 total by yr 30) investedThe money you'd have put into the building while it lost money	$130,127
What you'd walk away with	$1,440,958
Building minus stocks	$551,885

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,468,494
Minus 6% selling cost	−$88,110
Minus loan still owedTenants' rent paid down all $453,750 of principal by year 30	$0
Plus rental profits, invested at 7%$600,386 of profit by year 30, before investment growth	$1,220,109
What you'd walk away with	$2,600,493
If you put the same money in stocks
Cash to close ($169,400) invested at 7%	$1,289,516
Monthly shortfalls ($0 total by yr 30) investedThe money you'd have put into the building while it lost money	$0
What you'd walk away with	$1,289,516
Building minus stocks	$1,310,977

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,468,494
Minus 6% selling cost	−$88,110
Minus loan still owedTenants' rent paid down all $453,750 of principal by year 30	$0
Plus rental profits, invested at 7%$358,778 of profit by year 30, before investment growth	$624,138
What you'd walk away with	$2,004,522
If you put the same money in stocks
Cash to close ($169,400) invested at 7%	$1,289,516
Monthly shortfalls ($16,788 total by yr 30) investedThe money you'd have put into the building while it lost money	$108,063
What you'd walk away with	$1,397,579
Building minus stocks	$606,943

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.

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

This propertyStocks at 7%

Year 30 (loan paid off): property $2.37M, stocks $1.11M. The property wins.

Comparable rentals

The closest rental listings with each unit's bedroom count, as of 2026-10-04. The estimate is the median asking rent of every rental we found nearby (the count is shown for each); houses are left out. Asking rents from Realtor.com rental listings, not signed leases.

3 bed estimate $2,675/mo · range $2,200–$2,675 · 6 rentals within 1.5 mi

Address	Rent	Bd / Ba	Sq ft	Distance	Listed	Type
5855 Highway 7, Minneapolis	$3,045	3 / 2	1,560	0.5 mi	2024-04-12	Apartment
7450 Highway 7, Saint Louis Park	$3,250	3 / 2	1,750	0.8 mi	2026-09-29	Apartment
7400 Oak Park Village Dr, Saint Louis Park	$2,405	3 / 2.5	1,514	1.1 mi	2025-01-03	Apartment
4820 Highway 7, Minneapolis	$2,305	3 / 1.5	1,200	1.2 mi	2024-04-12	Apartment
3807 France Ave S, Minneapolis	$3,800	3 / 1	—	1.4 mi	2025-09-25	Duplex triplex
101 Blake Rd N, Hopkins	$1,765	3 / 2	1,250	1.5 mi	2026-05-27	Apartment

On the maps, this property and comparable rentals. Comparable rentals and rent estimate: Realtor.com rental listings. Rents are asking rents from listings; check them against the actual leases.

Red flags and opportunities

Watch for

mediumCouldn't match this address to a county parcel record, so taxes and unit count are unverified. Public record: County parcels: no match for 3813 BRUNSWICK AVE S

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 Listinglisting, tax year 2025. The tax the listing states. If the seller lives there it may be at the lower homestead rate; an investor owner pays the non-homestead rate, often 20–40% more on the owner's unit.	$8,153
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$2,554
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. base rate	8% / 8%

Status history

2026-09-18New at $615,000

From the listing Listing

Listed as	duplex up and down
Property tax, 2025	$8,153
County	Hennepin
Parcel number	2111721220068

As the listing states it (NorthstarMLS, via Realtor.com). We don't have county records here yet; check the tax, homestead status and special assessments with the county.

Crime, rental-license and vacant-building records are only available for St. Paul and Minneapolis so far. Check with Saint Louis Park on rental licensing before you buy.