4130 Aldrich Ave N

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

Asking price: $249,999
Monthly cash flow: −$50
Estimated rent: $2,700/mo
Break-even price: $240,624

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: $249,999
Monthly cash flow: −$50
Cash to close: $57,500
Cap rate: 6.1%
Cash-on-cash: −1.0%
DSCR: 0.96×
GRM: 7.7
Price per unit: $125,000
Price that breaks even: $240,624
Rent that breaks even: $2,765/mo
Cash flow turns positive: year 3
Year 30: property vs stocks: $986K vs $443K

Monthly breakdown

Rent	$2,700
Vacancy (6%)	−$162
Collected	$2,538
Property tax Public record	−$353
Insurance Estimate	−$215
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	$1,281
Mortgage (principal + interest)	−$1,331
Cash flow	−$50
Principal paid down (equity, not cash)	$169

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 $986K, stocks $443K. The property wins.

How those totals add up

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$606,813
Minus 6% selling cost	−$36,409
Minus loan still owedTenants' rent paid down all $224,999 of principal by year 30	$0
Plus rental profits, invested at 7%$162,646 of profit by year 30, before investment growth	$280,255
What you'd walk away with	$850,659
If you put the same money in stocks
Cash to close ($32,500) invested at 7%	$247,397
Monthly shortfalls ($15,903 total by yr 30) investedThe money you'd have put into the building while it lost money	$101,963
What you'd walk away with	$349,360
Building minus stocks	$501,299

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$606,813
Minus 6% selling cost	−$36,409
Minus loan still owedTenants' rent paid down all $224,999 of principal by year 30	$0
Plus rental profits, invested at 7%$64,474 of profit by year 30, before investment growth	$90,869
What you'd walk away with	$661,273
If you put the same money in stocks
Cash to close ($32,500) invested at 7%	$247,397
Monthly shortfalls ($48,137 total by yr 30) investedThe money you'd have put into the building while it lost money	$267,884
What you'd walk away with	$515,281
Building minus stocks	$145,992

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$582,541
Minus 6% selling cost	−$34,952
Minus loan still owedTenants' rent paid down all $215,999 of principal by year 30	$0
Plus rental profits, invested at 7%$180,190 of profit by year 30, before investment growth	$323,575
What you'd walk away with	$871,163
If you put the same money in stocks
Cash to close ($31,200) invested at 7%	$237,501
Monthly shortfalls ($11,621 total by yr 30) investedThe money you'd have put into the building while it lost money	$75,670
What you'd walk away with	$313,172
Building minus stocks	$557,991

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$582,541
Minus 6% selling cost	−$34,952
Minus loan still owedTenants' rent paid down all $215,999 of principal by year 30	$0
Plus rental profits, invested at 7%$76,356 of profit by year 30, before investment growth	$112,044
What you'd walk away with	$659,632
If you put the same money in stocks
Cash to close ($31,200) invested at 7%	$237,501
Monthly shortfalls ($38,192 total by yr 30) investedThe money you'd have put into the building while it lost money	$219,446
What you'd walk away with	$456,947
Building minus stocks	$202,685

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$606,813
Minus 6% selling cost	−$36,409
Minus loan still owedTenants' rent paid down all $199,999 of principal by year 30	$0
Plus rental profits, invested at 7%$214,155 of profit by year 30, before investment growth	$415,831
What you'd walk away with	$986,236
If you put the same money in stocks
Cash to close ($57,500) invested at 7%	$437,703
Monthly shortfalls ($784 total by yr 30) investedThe money you'd have put into the building while it lost money	$5,494
What you'd walk away with	$443,197
Building minus stocks	$543,039

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$606,813
Minus 6% selling cost	−$36,409
Minus loan still owedTenants' rent paid down all $199,999 of principal by year 30	$0
Plus rental profits, invested at 7%$100,441 of profit by year 30, before investment growth	$159,265
What you'd walk away with	$729,669
If you put the same money in stocks
Cash to close ($57,500) invested at 7%	$437,703
Monthly shortfalls ($17,476 total by yr 30) investedThe money you'd have put into the building while it lost money	$104,235
What you'd walk away with	$541,937
Building minus stocks	$187,732

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$582,541
Minus 6% selling cost	−$34,952
Minus loan still owedTenants' rent paid down all $191,999 of principal by year 30	$0
Plus rental profits, invested at 7%$232,531 of profit by year 30, before investment growth	$470,668
What you'd walk away with	$1,018,256
If you put the same money in stocks
Cash to close ($55,200) invested at 7%	$420,195
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	$420,195
Building minus stocks	$598,061

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$582,541
Minus 6% selling cost	−$34,952
Minus loan still owedTenants' rent paid down all $191,999 of principal by year 30	$0
Plus rental profits, invested at 7%$113,993 of profit by year 30, before investment growth	$188,512
What you'd walk away with	$736,100
If you put the same money in stocks
Cash to close ($55,200) invested at 7%	$420,195
Monthly shortfalls ($11,868 total by yr 30) investedThe money you'd have put into the building while it lost money	$73,151
What you'd walk away with	$493,345
Building minus stocks	$242,755

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$606,813
Minus 6% selling cost	−$36,409
Minus loan still owedTenants' rent paid down all $187,499 of principal by year 30	$0
Plus rental profits, invested at 7%$243,309 of profit by year 30, before investment growth	$504,604
What you'd walk away with	$1,075,008
If you put the same money in stocks
Cash to close ($70,000) invested at 7%	$532,856
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	$532,856
Building minus stocks	$542,152

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$606,813
Minus 6% selling cost	−$36,409
Minus loan still owedTenants' rent paid down all $187,499 of principal by year 30	$0
Plus rental profits, invested at 7%$122,051 of profit by year 30, before investment growth	$206,803
What you'd walk away with	$777,207
If you put the same money in stocks
Cash to close ($70,000) invested at 7%	$532,856
Monthly shortfalls ($9,148 total by yr 30) investedThe money you'd have put into the building while it lost money	$57,505
What you'd walk away with	$590,361
Building minus stocks	$186,846

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$582,541
Minus 6% selling cost	−$34,952
Minus loan still owedTenants' rent paid down all $179,999 of principal by year 30	$0
Plus rental profits, invested at 7%$261,272 of profit by year 30, before investment growth	$561,164
What you'd walk away with	$1,108,753
If you put the same money in stocks
Cash to close ($67,200) invested at 7%	$511,541
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	$511,541
Building minus stocks	$597,212

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$582,541
Minus 6% selling cost	−$34,952
Minus loan still owedTenants' rent paid down all $179,999 of principal by year 30	$0
Plus rental profits, invested at 7%$136,193 of profit by year 30, before investment growth	$240,553
What you'd walk away with	$788,141
If you put the same money in stocks
Cash to close ($67,200) invested at 7%	$511,541
Monthly shortfalls ($5,327 total by yr 30) investedThe money you'd have put into the building while it lost money	$34,695
What you'd walk away with	$546,237
Building minus stocks	$241,904

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 125 m from I 94: traffic noise usually costs $50–100/month in rent. Based on: OpenStreetMap: nearest motorway (I 94) at 125 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)	$4,234
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$2,586
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 1908: +1 pt capital reserve	8% / 9%

County record Public record

Recorded as	duplex
Living units	2
Year built	1908
Market value (2026)	$225,000
Property tax	$4,234
Special assessments	none
Homestead	no
Last sale	2019-05-01 · $161,000

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 125 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

2026-09-01New at $249,999