416 Daly St

Saint Paul, MN · West Seventh – Fort Road (West 7th, Irvine Park) · Listing office ↗ · Find the listing ↗

Overpriced

Asking price: $399,900
Monthly cash flow: −$660
Estimated rent: $3,300/mo
Break-even price: $275,909

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

3 bed / 1 bath (est.)$1,650 $1,400–$1,900
3 bed / 1 bath (est.)$1,650 $1,400–$1,900

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: $399,900
Monthly cash flow: −$660
Cash to close: $91,977
Cap rate: 4.4%
Cash-on-cash: −8.6%
DSCR: 0.69×
GRM: 10.1
Price per unit: $199,950
Price that breaks even: $275,909
Rent that breaks even: $4,157/mo
Cash flow turns positive: year 16
Year 30: property vs stocks: $1.03M vs $1.04M

Monthly breakdown

Rent	$3,300
Vacancy (6%)	−$198
Collected	$3,102
Property tax Public record	−$623
Insurance Estimate	−$219
Water, sewer, trash Estimate	−$170
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (8% of rent)	−$264
Capital reserve (9% of rent)	−$297
Net operating income	$1,469
Mortgage (principal + interest)	−$2,128
Cash flow	−$660
Principal paid down (equity, not cash)	$271

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 $1.03M, stocks $1.04M. Stocks win.

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%$43,577 of profit by year 30, before investment growth	$53,856
What you'd walk away with	$966,279
If you put the same money in stocks
Cash to close ($51,987) invested at 7%	$395,738
Monthly shortfalls ($130,101 total by yr 30) investedThe money you'd have put into the building while it lost money	$652,189
What you'd walk away with	$1,047,927
Building minus stocks	−$81,648

	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%$326 of profit by year 30, before investment growth	$326
What you'd walk away with	$912,748
If you put the same money in stocks
Cash to close ($51,987) invested at 7%	$395,738
Monthly shortfalls ($246,236 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,032,923
What you'd walk away with	$1,428,661
Building minus stocks	−$515,913

	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%$51,472 of profit by year 30, before investment growth	$65,180
What you'd walk away with	$954,787
If you put the same money in stocks
Cash to close ($50,687) invested at 7%	$385,842
Monthly shortfalls ($116,171 total by yr 30) investedThe money you'd have put into the building while it lost money	$593,900
What you'd walk away with	$979,743
Building minus stocks	−$24,956

	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%$1,406 of profit by year 30, before investment growth	$1,432
What you'd walk away with	$891,038
If you put the same money in stocks
Cash to close ($50,687) invested at 7%	$385,842
Monthly shortfalls ($225,490 total by yr 30) investedThe money you'd have put into the building while it lost money	$964,415
What you'd walk away with	$1,350,258
Building minus stocks	−$459,220

	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%$84,387 of profit by year 30, before investment growth	$117,005
What you'd walk away with	$1,029,428
If you put the same money in stocks
Cash to close ($91,977) invested at 7%	$700,152
Monthly shortfalls ($64,334 total by yr 30) investedThe money you'd have put into the building while it lost money	$344,157
What you'd walk away with	$1,044,309
Building minus stocks	−$14,881

	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%$11,155 of profit by year 30, before investment growth	$12,378
What you'd walk away with	$924,801
If you put the same money in stocks
Cash to close ($91,977) invested at 7%	$700,152
Monthly shortfalls ($150,487 total by yr 30) investedThe money you'd have put into the building while it lost money	$673,794
What you'd walk away with	$1,373,946
Building minus stocks	−$449,145

	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%$94,354 of profit by year 30, before investment growth	$134,122
What you'd walk away with	$1,023,728
If you put the same money in stocks
Cash to close ($89,677) invested at 7%	$682,644
Monthly shortfalls ($55,141 total by yr 30) investedThe money you'd have put into the building while it lost money	$300,943
What you'd walk away with	$983,587
Building minus stocks	$40,141

	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%$15,258 of profit by year 30, before investment growth	$17,355
What you'd walk away with	$906,961
If you put the same money in stocks
Cash to close ($89,677) invested at 7%	$682,644
Monthly shortfalls ($135,431 total by yr 30) investedThe money you'd have put into the building while it lost money	$618,439
What you'd walk away with	$1,301,083
Building minus stocks	−$394,122

	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%$110,464 of profit by year 30, before investment growth	$163,171
What you'd walk away with	$1,075,594
If you put the same money in stocks
Cash to close ($111,972) invested at 7%	$852,359
Monthly shortfalls ($42,522 total by yr 30) investedThe money you'd have put into the building while it lost money	$239,533
What you'd walk away with	$1,091,892
Building minus stocks	−$16,298

	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%$22,633 of profit by year 30, before investment growth	$26,725
What you'd walk away with	$939,148
If you put the same money in stocks
Cash to close ($111,972) invested at 7%	$852,359
Monthly shortfalls ($114,076 total by yr 30) investedThe money you'd have put into the building while it lost money	$537,351
What you'd walk away with	$1,389,710
Building minus stocks	−$450,562

	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%$121,314 of profit by year 30, before investment growth	$183,773
What you'd walk away with	$1,073,379
If you put the same money in stocks
Cash to close ($109,172) invested at 7%	$831,045
Monthly shortfalls ($35,409 total by yr 30) investedThe money you'd have put into the building while it lost money	$203,574
What you'd walk away with	$1,034,619
Building minus stocks	$38,760

	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%$28,089 of profit by year 30, before investment growth	$34,020
What you'd walk away with	$923,626
If you put the same money in stocks
Cash to close ($109,172) invested at 7%	$831,045
Monthly shortfalls ($101,569 total by yr 30) investedThe money you'd have put into the building while it lost money	$488,085
What you'd walk away with	$1,319,130
Building minus stocks	−$395,504

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

mediumAsking is $123,991 above the price where cash flow breaks even ($275,909) at the default scenario. Based on: Derived: price $399,900 vs. break-even $275,909
low$572 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 112823140141: special assessments (payable 2026) = $572.02

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)	$7,476
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$2,634
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	two family dwelling - up/dwn
Living units	2
Year built	1900
Market value (2026)	$338,700
Property tax, payable 2026	$7,476
Special assessments	$572
Homestead	no
Last sale	2021-04-06 · $311,000

Source: Ramsey County parcel records.

City rental certificate (CofO)

Residential 2 Units: 2 unit(s), A, status pending, renews 2029-02-03.

Nearest highway

I 35E, about 446 m away.

Crime in West Seventh – Fort Road

633 incidents in the last 12 months (49 per 1,000 residents), +5% vs. the year before. St. Paul police incidents, excluding proactive visits and community events.

Status history

2026-07-28Price cut at $399,900 (was $429,900) · from listing history
2026-07-28New at $399,900