4316 York Ave S

Minneapolis, MN · Linden Hills · Listing office ↗ · Find the listing ↗

Far off

Asking price: $925,000
Monthly cash flow: −$3,430
Estimated rent: $3,900/mo
Break-even price: $280,510

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: $925,000
Monthly cash flow: −$3,430
Cash to close: $212,750
Cap rate: 1.9%
Cash-on-cash: −19.3%
DSCR: 0.30×
GRM: 19.8
Price per unit: $462,500
Price that breaks even: $280,510
Rent that breaks even: $8,355/mo
Cash flow turns positive: not within 30 years
Year 30: property vs stocks: $2.11M vs $5.02M

Monthly breakdown

Rent	$3,900
Vacancy (6%)	−$234
Collected	$3,666
Property tax Public record	−$1,063
Insurance Estimate	−$217
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	$1,493
Mortgage (principal + interest)	−$4,923
Cash flow	−$3,430
Principal paid down (equity, not cash)	$626

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 $2.11M, stocks $5.02M. Stocks win.

How those totals add up

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,245,218
Minus 6% selling cost	−$134,713
Minus loan still owedTenants' rent paid down all $832,500 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,110,505
If you put the same money in stocks
Cash to close ($120,250) invested at 7%	$915,374
Monthly shortfalls ($1,239,867 total by yr 30) investedThe money you'd have put into the building while it lost money	$4,255,916
What you'd walk away with	$5,171,290
Building minus stocks	−$3,060,785

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,245,218
Minus 6% selling cost	−$134,713
Minus loan still owedTenants' rent paid down all $832,500 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,110,505
If you put the same money in stocks
Cash to close ($120,250) invested at 7%	$915,374
Monthly shortfalls ($1,428,231 total by yr 30) investedThe money you'd have put into the building while it lost money	$4,769,137
What you'd walk away with	$5,684,511
Building minus stocks	−$3,574,006

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,220,945
Minus 6% selling cost	−$133,257
Minus loan still owedTenants' rent paid down all $823,500 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,087,688
If you put the same money in stocks
Cash to close ($118,950) invested at 7%	$905,478
Monthly shortfalls ($1,218,041 total by yr 30) investedThe money you'd have put into the building while it lost money	$4,186,303
What you'd walk away with	$5,091,781
Building minus stocks	−$3,004,093

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,220,945
Minus 6% selling cost	−$133,257
Minus loan still owedTenants' rent paid down all $823,500 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,087,688
If you put the same money in stocks
Cash to close ($118,950) invested at 7%	$905,478
Monthly shortfalls ($1,406,406 total by yr 30) investedThe money you'd have put into the building while it lost money	$4,699,524
What you'd walk away with	$5,605,002
Building minus stocks	−$3,517,314

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,245,218
Minus 6% selling cost	−$134,713
Minus loan still owedTenants' rent paid down all $740,000 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,110,505
If you put the same money in stocks
Cash to close ($212,750) invested at 7%	$1,619,507
Monthly shortfalls ($993,346 total by yr 30) investedThe money you'd have put into the building while it lost money	$3,397,346
What you'd walk away with	$5,016,853
Building minus stocks	−$2,906,348

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,245,218
Minus 6% selling cost	−$134,713
Minus loan still owedTenants' rent paid down all $740,000 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,110,505
If you put the same money in stocks
Cash to close ($212,750) invested at 7%	$1,619,507
Monthly shortfalls ($1,181,711 total by yr 30) investedThe money you'd have put into the building while it lost money	$3,910,567
What you'd walk away with	$5,530,074
Building minus stocks	−$3,419,569

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,220,945
Minus 6% selling cost	−$133,257
Minus loan still owedTenants' rent paid down all $732,000 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,087,688
If you put the same money in stocks
Cash to close ($210,450) invested at 7%	$1,601,999
Monthly shortfalls ($974,186 total by yr 30) investedThe money you'd have put into the building while it lost money	$3,337,014
What you'd walk away with	$4,939,014
Building minus stocks	−$2,851,326

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,220,945
Minus 6% selling cost	−$133,257
Minus loan still owedTenants' rent paid down all $732,000 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,087,688
If you put the same money in stocks
Cash to close ($210,450) invested at 7%	$1,601,999
Monthly shortfalls ($1,162,550 total by yr 30) investedThe money you'd have put into the building while it lost money	$3,850,235
What you'd walk away with	$5,452,234
Building minus stocks	−$3,364,546

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,245,218
Minus 6% selling cost	−$134,713
Minus loan still owedTenants' rent paid down all $693,750 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,110,505
If you put the same money in stocks
Cash to close ($259,000) invested at 7%	$1,971,574
Monthly shortfalls ($882,573 total by yr 30) investedThe money you'd have put into the building while it lost money	$3,048,556
What you'd walk away with	$5,020,130
Building minus stocks	−$2,909,625

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,245,218
Minus 6% selling cost	−$134,713
Minus loan still owedTenants' rent paid down all $693,750 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,110,505
If you put the same money in stocks
Cash to close ($259,000) invested at 7%	$1,971,574
Monthly shortfalls ($1,070,938 total by yr 30) investedThe money you'd have put into the building while it lost money	$3,561,777
What you'd walk away with	$5,533,351
Building minus stocks	−$3,422,846

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,220,945
Minus 6% selling cost	−$133,257
Minus loan still owedTenants' rent paid down all $686,250 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,087,688
If you put the same money in stocks
Cash to close ($256,200) invested at 7%	$1,950,260
Monthly shortfalls ($864,610 total by yr 30) investedThe money you'd have put into the building while it lost money	$2,991,995
What you'd walk away with	$4,942,255
Building minus stocks	−$2,854,567

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$2,220,945
Minus 6% selling cost	−$133,257
Minus loan still owedTenants' rent paid down all $686,250 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$2,087,688
If you put the same money in stocks
Cash to close ($256,200) invested at 7%	$1,950,260
Monthly shortfalls ($1,052,975 total by yr 30) investedThe money you'd have put into the building while it lost money	$3,505,216
What you'd walk away with	$5,455,476
Building minus stocks	−$3,367,788

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 $644,490 above the price where cash flow breaks even ($280,510) at the default scenario. Based on: Derived: price $925,000 vs. break-even $280,510

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)	$12,752
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$2,608
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	1952
Market value (2026)	$674,100
Property tax	$12,752
Special assessments	none
Homestead	no
Last sale	2023-10-01 · $825,000

Source: Hennepin County parcel records.

City rental license

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

Nearest highway

I 35W, about 3595 m away.

Crime in Linden Hills

117 incidents in the last 12 months (14 per 1,000 residents), −19% vs. the year before. Minneapolis police incidents, all reported offenses (definitions differ from St. Paul's, so don't compare across cities).

Status history

2026-07-13New at $925,000