5017-5019 Shoreline Dr

Cash flows

37 photos

Photos, via Realtor.com.

Asking price: $399,000
Monthly cash flow: $1,185
Estimated rent: $5,350/mo
Break-even price: $621,678

Adjust the numbers See the full breakdown

From the listing

Fantastic investment opportunity in Mound! This well-maintained duplex offers two spacious units, each featuring 3 bedrooms and 1 bathroom, making it an excellent addition to a rental portfolio or a great option for an owner-occupant. Both units feature nice updates, comfortable living spaces, and their own private laundry for added convenience. Each unit also has its own garage, providing valuable additional parking and storage. The property sits on a large yard with plenty of outdoor space and a more private setting for tenants to enjoy. Current rents are below market value, offering potential upside for a new owner and an opportunity to increase future rental income. With two 3-bedroom units, separate laundry, garage space for each unit, and a generous yard, this property offers many of the features tenants look for in a rental. Conveniently located in Mound near Lake Minnetonka, parks, shopping, dining, schools, and other area amenities. Whether you're looking to expand your investment portfolio or live in one unit while generating rental income from the other, this duplex offers a great combination of space, location, privacy, and income potential.

Description from Realtor.com, MLS #7125283. 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: $399,000
Cash to close: $91,770
Price per unit: $199,500
GRM: 6.2

Each month

Cash flow: $1,185/mo
Cash-on-cash: 15.5%
Cap rate: 10.0%
DSCR: 1.56×

Break-even

Price that breaks even: $621,678
Rent that breaks even: $3,831/mo

Long run

Year 30: property vs stocks: $3.57M vs $699K
Cash flow turns positive: year 1

Monthly

Monthly breakdown

Rent	$5,350
Vacancy (6%)	−$321
Collected	$5,029
Property tax Listing	−$434
Insurance Estimate	−$200
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	$3,309
Mortgage (principal + interest)	−$2,124
Cash flow	$1,185
Principal paid down (equity, not cash)	$270

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	$968,478
Minus 6% selling cost	−$58,109
Minus loan still owedTenants' rent paid down all $359,100 of principal by year 30	$0
Plus rental profits, invested at 7%$976,210 of profit by year 30, before investment growth	$2,289,742
What you'd walk away with	$3,200,112
If you put the same money in stocks
Cash to close ($51,870) invested at 7%	$394,848
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	$394,848
Building minus stocks	$2,805,264

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$968,478
Minus 6% selling cost	−$58,109
Minus loan still owedTenants' rent paid down all $359,100 of principal by year 30	$0
Plus rental profits, invested at 7%$717,813 of profit by year 30, before investment growth	$1,585,709
What you'd walk away with	$2,496,078
If you put the same money in stocks
Cash to close ($51,870) invested at 7%	$394,848
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	$394,848
Building minus stocks	$2,101,230

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$944,205
Minus 6% selling cost	−$56,652
Minus loan still owedTenants' rent paid down all $350,100 of principal by year 30	$0
Plus rental profits, invested at 7%$998,036 of profit by year 30, before investment growth	$2,359,355
What you'd walk away with	$3,246,908
If you put the same money in stocks
Cash to close ($50,570) invested at 7%	$384,952
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	$384,952
Building minus stocks	$2,861,956

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$944,205
Minus 6% selling cost	−$56,652
Minus loan still owedTenants' rent paid down all $350,100 of principal by year 30	$0
Plus rental profits, invested at 7%$739,638 of profit by year 30, before investment growth	$1,655,322
What you'd walk away with	$2,542,874
If you put the same money in stocks
Cash to close ($50,570) invested at 7%	$384,952
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	$384,952
Building minus stocks	$2,157,922

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$968,478
Minus 6% selling cost	−$58,109
Minus loan still owedTenants' rent paid down all $319,200 of principal by year 30	$0
Plus rental profits, invested at 7%$1,082,547 of profit by year 30, before investment growth	$2,660,088
What you'd walk away with	$3,570,457
If you put the same money in stocks
Cash to close ($91,770) invested at 7%	$698,577
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	$698,577
Building minus stocks	$2,871,880

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$968,478
Minus 6% selling cost	−$58,109
Minus loan still owedTenants' rent paid down all $319,200 of principal by year 30	$0
Plus rental profits, invested at 7%$824,150 of profit by year 30, before investment growth	$1,956,054
What you'd walk away with	$2,866,423
If you put the same money in stocks
Cash to close ($91,770) invested at 7%	$698,577
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	$698,577
Building minus stocks	$2,167,846

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$944,205
Minus 6% selling cost	−$56,652
Minus loan still owedTenants' rent paid down all $311,200 of principal by year 30	$0
Plus rental profits, invested at 7%$1,101,708 of profit by year 30, before investment growth	$2,720,419
What you'd walk away with	$3,607,972
If you put the same money in stocks
Cash to close ($89,470) invested at 7%	$681,068
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	$681,068
Building minus stocks	$2,926,904

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$944,205
Minus 6% selling cost	−$56,652
Minus loan still owedTenants' rent paid down all $311,200 of principal by year 30	$0
Plus rental profits, invested at 7%$843,310 of profit by year 30, before investment growth	$2,016,385
What you'd walk away with	$2,903,938
If you put the same money in stocks
Cash to close ($89,470) invested at 7%	$681,068
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	$681,068
Building minus stocks	$2,222,870

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$968,478
Minus 6% selling cost	−$58,109
Minus loan still owedTenants' rent paid down all $299,250 of principal by year 30	$0
Plus rental profits, invested at 7%$1,130,329 of profit by year 30, before investment growth	$2,810,539
What you'd walk away with	$3,720,908
If you put the same money in stocks
Cash to close ($111,720) invested at 7%	$850,441
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	$850,441
Building minus stocks	$2,870,467

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$968,478
Minus 6% selling cost	−$58,109
Minus loan still owedTenants' rent paid down all $299,250 of principal by year 30	$0
Plus rental profits, invested at 7%$871,932 of profit by year 30, before investment growth	$2,106,505
What you'd walk away with	$3,016,874
If you put the same money in stocks
Cash to close ($111,720) invested at 7%	$850,441
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	$850,441
Building minus stocks	$2,166,433

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$944,205
Minus 6% selling cost	−$56,652
Minus loan still owedTenants' rent paid down all $291,750 of principal by year 30	$0
Plus rental profits, invested at 7%$1,148,292 of profit by year 30, before investment growth	$2,867,099
What you'd walk away with	$3,754,652
If you put the same money in stocks
Cash to close ($108,920) invested at 7%	$829,127
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	$829,127
Building minus stocks	$2,925,525

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$944,205
Minus 6% selling cost	−$56,652
Minus loan still owedTenants' rent paid down all $291,750 of principal by year 30	$0
Plus rental profits, invested at 7%$889,895 of profit by year 30, before investment growth	$2,163,065
What you'd walk away with	$3,050,618
If you put the same money in stocks
Cash to close ($108,920) invested at 7%	$829,127
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	$829,127
Building minus stocks	$2,221,491

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 $3.57M, stocks $699K. 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 $1,950–$2,675 · 9 rentals within 9.75 mi

Address	Rent	Bd / Ba	Sq ft	Distance	Listed	Type
5603 Manitou Rd, Tonka Bay	$4,208	3 / 2	1,712	3.9 mi	2024-06-11	Apartment
4701 Kings Point Rd, Minnetrista	$3,867	3 / 2	1,821	4.0 mi	2024-05-18	Apartment
4760 Ironwood Cir, Medina	$2,999	3 / 3	1,637	4.7 mi	2026-06-30	Apartment
5285 Manchester Dr, Maple Plain	$1,595	3 / 1	1,300	5.1 mi	2025-01-03	Apartment
18900 Stratford Rd, Minnetonka	$1,946	3 / 1.5	1,350	6.7 mi	2024-04-12	Apartment
17830 Valley Cove Ct, Minnetonka	$3,500	3 / 2	2,129	7.1 mi	2026-09-18	Multi family
501 Carlson Pkwy, Minnetonka	$3,576	3 / 2	1,457	9.4 mi	2024-06-11	Apartment
15215 18th Ave N, Plymouth	$1,925	3 / 2	1,350	9.7 mi	2025-12-30	Apartment
15100 18th Ave N, Plymouth	$2,480	3 / 2	1,250	9.7 mi	2025-01-03	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 5017-5019 SHORELINE DR

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 2026. 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.	$5,207
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$2,403
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

2026-08-11New at $399,000

From the listing Listing

Listed as	duplex side x side
Property tax, 2026	$5,207
County	Hennepin
Parcel number	1311724430002

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 Mound on rental licensing before you buy.