3921 Lyndale Ave N

Minneapolis, MN · Webber - Camden · Find the listing ↗

Asking price: $399,900
Monthly cash flow: −$105
Estimated rent: $3,900/mo
Break-even price: $380,243

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

4 bed / 2 bath (est.)$1,950 $1,650–$2,250
4 bed / 2 bath (est.)$1,950 $1,650–$2,250

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: $399,900
Monthly cash flow: −$105
Cash to close: $91,977
Cap rate: 6.1%
Cash-on-cash: −1.4%
DSCR: 0.95×
GRM: 8.5
Price per unit: $199,950
Price that breaks even: $380,243
Rent that breaks even: $4,036/mo
Cash flow turns positive: year 3
Year 30: property vs stocks: $1.57M vs $713K

Monthly breakdown

Rent	$3,900
Vacancy (6%)	−$234
Collected	$3,666
Property tax Public record	−$544
Insurance Estimate	−$205
Water, sewer, trash Estimate	−$170
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (9% of rent)	−$351
Capital reserve (8% of rent)	−$312
Net operating income	$2,024
Mortgage (principal + interest)	−$2,128
Cash flow	−$105
Principal paid down (equity, not cash)	$271

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 $1.57M, stocks $713K. The property wins.

How those totals add up

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$970,662
Minus 6% selling cost	−$58,240
Minus loan still owedTenants' rent paid down all $359,910 of principal by year 30	$0
Plus rental profits, invested at 7%$262,256 of profit by year 30, before investment growth	$447,801
What you'd walk away with	$1,360,224
If you put the same money in stocks
Cash to close ($51,987) invested at 7%	$395,738
Monthly shortfalls ($27,220 total by yr 30) investedThe money you'd have put into the building while it lost money	$173,759
What you'd walk away with	$569,498
Building minus stocks	$790,726

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$970,662
Minus 6% selling cost	−$58,240
Minus loan still owedTenants' rent paid down all $359,910 of principal by year 30	$0
Plus rental profits, invested at 7%$119,379 of profit by year 30, before investment growth	$171,104
What you'd walk away with	$1,083,527
If you put the same money in stocks
Cash to close ($51,987) invested at 7%	$395,738
Monthly shortfalls ($72,707 total by yr 30) investedThe money you'd have put into the building while it lost money	$410,283
What you'd walk away with	$806,021
Building minus stocks	$277,506

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$946,390
Minus 6% selling cost	−$56,783
Minus loan still owedTenants' rent paid down all $350,910 of principal by year 30	$0
Plus rental profits, invested at 7%$279,351 of profit by year 30, before investment growth	$488,896
What you'd walk away with	$1,378,503
If you put the same money in stocks
Cash to close ($50,687) invested at 7%	$385,842
Monthly shortfalls ($22,490 total by yr 30) investedThe money you'd have put into the building while it lost money	$145,241
What you'd walk away with	$531,084
Building minus stocks	$847,419

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$946,390
Minus 6% selling cost	−$56,783
Minus loan still owedTenants' rent paid down all $350,910 of principal by year 30	$0
Plus rental profits, invested at 7%$131,589 of profit by year 30, before investment growth	$193,249
What you'd walk away with	$1,082,855
If you put the same money in stocks
Cash to close ($50,687) invested at 7%	$385,842
Monthly shortfalls ($63,091 total by yr 30) investedThe money you'd have put into the building while it lost money	$362,815
What you'd walk away with	$748,657
Building minus stocks	$334,198

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$970,662
Minus 6% selling cost	−$58,240
Minus loan still owedTenants' rent paid down all $319,920 of principal by year 30	$0
Plus rental profits, invested at 7%$343,454 of profit by year 30, before investment growth	$658,048
What you'd walk away with	$1,570,471
If you put the same money in stocks
Cash to close ($91,977) invested at 7%	$700,152
Monthly shortfalls ($1,841 total by yr 30) investedThe money you'd have put into the building while it lost money	$12,825
What you'd walk away with	$712,978
Building minus stocks	$857,493

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$970,662
Minus 6% selling cost	−$58,240
Minus loan still owedTenants' rent paid down all $319,920 of principal by year 30	$0
Plus rental profits, invested at 7%$179,081 of profit by year 30, before investment growth	$287,754
What you'd walk away with	$1,200,176
If you put the same money in stocks
Cash to close ($91,977) invested at 7%	$700,152
Monthly shortfalls ($25,832 total by yr 30) investedThe money you'd have put into the building while it lost money	$155,751
What you'd walk away with	$855,904
Building minus stocks	$344,272

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$946,390
Minus 6% selling cost	−$56,783
Minus loan still owedTenants' rent paid down all $311,920 of principal by year 30	$0
Plus rental profits, invested at 7%$361,390 of profit by year 30, before investment growth	$709,942
What you'd walk away with	$1,599,548
If you put the same money in stocks
Cash to close ($89,677) invested at 7%	$682,644
Monthly shortfalls ($617 total by yr 30) investedThe money you'd have put into the building while it lost money	$4,388
What you'd walk away with	$687,032
Building minus stocks	$912,516

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$946,390
Minus 6% selling cost	−$56,783
Minus loan still owedTenants' rent paid down all $311,920 of principal by year 30	$0
Plus rental profits, invested at 7%$192,752 of profit by year 30, before investment growth	$317,479
What you'd walk away with	$1,207,085
If you put the same money in stocks
Cash to close ($89,677) invested at 7%	$682,644
Monthly shortfalls ($20,343 total by yr 30) investedThe money you'd have put into the building while it lost money	$125,146
What you'd walk away with	$807,790
Building minus stocks	$399,295

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$970,662
Minus 6% selling cost	−$58,240
Minus loan still owedTenants' rent paid down all $299,925 of principal by year 30	$0
Plus rental profits, invested at 7%$389,503 of profit by year 30, before investment growth	$796,013
What you'd walk away with	$1,708,436
If you put the same money in stocks
Cash to close ($111,972) invested at 7%	$852,359
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	$852,359
Building minus stocks	$856,077

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$970,662
Minus 6% selling cost	−$58,240
Minus loan still owedTenants' rent paid down all $299,925 of principal by year 30	$0
Plus rental profits, invested at 7%$214,376 of profit by year 30, before investment growth	$366,871
What you'd walk away with	$1,279,294
If you put the same money in stocks
Cash to close ($111,972) invested at 7%	$852,359
Monthly shortfalls ($13,237 total by yr 30) investedThe money you'd have put into the building while it lost money	$84,079
What you'd walk away with	$936,438
Building minus stocks	$342,856

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$946,390
Minus 6% selling cost	−$56,783
Minus loan still owedTenants' rent paid down all $292,425 of principal by year 30	$0
Plus rental profits, invested at 7%$407,466 of profit by year 30, before investment growth	$852,574
What you'd walk away with	$1,742,180
If you put the same money in stocks
Cash to close ($109,172) invested at 7%	$831,045
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	$831,045
Building minus stocks	$911,135

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$946,390
Minus 6% selling cost	−$56,783
Minus loan still owedTenants' rent paid down all $292,425 of principal by year 30	$0
Plus rental profits, invested at 7%$228,659 of profit by year 30, before investment growth	$401,290
What you'd walk away with	$1,290,897
If you put the same money in stocks
Cash to close ($109,172) invested at 7%	$831,045
Monthly shortfalls ($9,557 total by yr 30) investedThe money you'd have put into the building while it lost money	$61,937
What you'd walk away with	$892,983
Building minus stocks	$397,914

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

No red flags in the available data. That isn't the same as none.

Opportunities

Long time on market: room to negotiate. Based on: Listing data: 101 days on market

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)	$6,525
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$2,465
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. 8 bedrooms: +1 pt repairs for wear	9% / 8%

County record Public record

Recorded as	duplex
Living units	2
Year built	1954
Market value (2026)	$343,600
Property tax	$6,525
Special assessments	none
Homestead	no
Last sale	2018-08-01 · $273,000

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 191 m away.

Crime in Webber - Camden

231 incidents in the last 12 months (41 per 1,000 residents), +4% vs. the year before. Minneapolis police incidents, all reported offenses (definitions differ from St. Paul's, so don't compare across cities).

Status history

2026-06-23New at $399,900