572 Ottawa Ave

Saint Paul, MN · West Side (Cherokee Heights, District del Sol) · Find the listing ↗

Asking price: $432,250
Monthly cash flow: −$285
Estimated rent: $3,900/mo
Break-even price: $378,688

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 / 1 bath (est.)$1,950 $1,650–$2,250
4 bed / 1 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: Capped at 3%/yr for sitting tenants.

Price: $432,250
Monthly cash flow: −$285
Cash to close: $99,418
Cap rate: 5.6%
Cash-on-cash: −3.4%
DSCR: 0.88×
GRM: 9.2
Price per unit: $216,125
Price that breaks even: $378,688
Rent that breaks even: $4,275/mo
Cash flow turns positive: year 6
Year 30: property vs stocks: $1.49M vs $824K

Monthly breakdown

Rent	$3,900
Vacancy (6%)	−$234
Collected	$3,666
Property tax Public record	−$451
Insurance Estimate	−$267
Water, sewer, trash Estimate	−$170
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (9% of rent)	−$351
Capital reserve (9% of rent)	−$351
Net operating income	$2,016
Mortgage (principal + interest)	−$2,301
Cash flow	−$285
Principal paid down (equity, not cash)	$293

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 $1.49M, stocks $824K. The property wins.

How those totals add up

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,049,184
Minus 6% selling cost	−$62,951
Minus loan still owedTenants' rent paid down all $389,025 of principal by year 30	$0
Plus rental profits, invested at 7%$209,223 of profit by year 30, before investment growth	$330,413
What you'd walk away with	$1,316,646
If you put the same money in stocks
Cash to close ($56,192) invested at 7%	$427,752
Monthly shortfalls ($48,029 total by yr 30) investedThe money you'd have put into the building while it lost money	$291,621
What you'd walk away with	$719,373
Building minus stocks	$597,273

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,049,184
Minus 6% selling cost	−$62,951
Minus loan still owedTenants' rent paid down all $389,025 of principal by year 30	$0
Plus rental profits, invested at 7%$83,055 of profit by year 30, before investment growth	$110,254
What you'd walk away with	$1,096,488
If you put the same money in stocks
Cash to close ($56,192) invested at 7%	$427,752
Monthly shortfalls ($110,225 total by yr 30) investedThe money you'd have put into the building while it lost money	$584,683
What you'd walk away with	$1,012,435
Building minus stocks	$84,053

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,024,912
Minus 6% selling cost	−$61,495
Minus loan still owedTenants' rent paid down all $380,025 of principal by year 30	$0
Plus rental profits, invested at 7%$224,150 of profit by year 30, before investment growth	$362,023
What you'd walk away with	$1,325,440
If you put the same money in stocks
Cash to close ($54,892) invested at 7%	$417,856
Monthly shortfalls ($41,130 total by yr 30) investedThe money you'd have put into the building while it lost money	$253,618
What you'd walk away with	$671,474
Building minus stocks	$653,966

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,024,912
Minus 6% selling cost	−$61,495
Minus loan still owedTenants' rent paid down all $380,025 of principal by year 30	$0
Plus rental profits, invested at 7%$93,043 of profit by year 30, before investment growth	$126,286
What you'd walk away with	$1,089,703
If you put the same money in stocks
Cash to close ($54,892) invested at 7%	$417,856
Monthly shortfalls ($98,388 total by yr 30) investedThe money you'd have put into the building while it lost money	$531,102
What you'd walk away with	$948,958
Building minus stocks	$140,745

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,049,184
Minus 6% selling cost	−$62,951
Minus loan still owedTenants' rent paid down all $345,800 of principal by year 30	$0
Plus rental profits, invested at 7%$286,627 of profit by year 30, before investment growth	$506,823
What you'd walk away with	$1,493,056
If you put the same money in stocks
Cash to close ($99,418) invested at 7%	$756,791
Monthly shortfalls ($10,235 total by yr 30) investedThe money you'd have put into the building while it lost money	$66,823
What you'd walk away with	$823,615
Building minus stocks	$669,441

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,049,184
Minus 6% selling cost	−$62,951
Minus loan still owedTenants' rent paid down all $345,800 of principal by year 30	$0
Plus rental profits, invested at 7%$136,918 of profit by year 30, before investment growth	$203,249
What you'd walk away with	$1,189,482
If you put the same money in stocks
Cash to close ($99,418) invested at 7%	$756,791
Monthly shortfalls ($48,890 total by yr 30) investedThe money you'd have put into the building while it lost money	$276,470
What you'd walk away with	$1,033,262
Building minus stocks	$156,220

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,024,912
Minus 6% selling cost	−$61,495
Minus loan still owedTenants' rent paid down all $337,800 of principal by year 30	$0
Plus rental profits, invested at 7%$302,597 of profit by year 30, before investment growth	$547,234
What you'd walk away with	$1,510,651
If you put the same money in stocks
Cash to close ($97,118) invested at 7%	$739,283
Monthly shortfalls ($7,044 total by yr 30) investedThe money you'd have put into the building while it lost money	$46,904
What you'd walk away with	$786,187
Building minus stocks	$724,464

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,024,912
Minus 6% selling cost	−$61,495
Minus loan still owedTenants' rent paid down all $337,800 of principal by year 30	$0
Plus rental profits, invested at 7%$148,583 of profit by year 30, before investment growth	$225,533
What you'd walk away with	$1,188,950
If you put the same money in stocks
Cash to close ($97,118) invested at 7%	$739,283
Monthly shortfalls ($41,394 total by yr 30) investedThe money you'd have put into the building while it lost money	$238,423
What you'd walk away with	$977,706
Building minus stocks	$211,244

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,049,184
Minus 6% selling cost	−$62,951
Minus loan still owedTenants' rent paid down all $324,187 of principal by year 30	$0
Plus rental profits, invested at 7%$331,219 of profit by year 30, before investment growth	$623,991
What you'd walk away with	$1,610,224
If you put the same money in stocks
Cash to close ($121,030) invested at 7%	$921,311
Monthly shortfalls ($3,062 total by yr 30) investedThe money you'd have put into the building while it lost money	$21,003
What you'd walk away with	$942,314
Building minus stocks	$667,910

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,049,184
Minus 6% selling cost	−$62,951
Minus loan still owedTenants' rent paid down all $324,187 of principal by year 30	$0
Plus rental profits, invested at 7%$169,775 of profit by year 30, before investment growth	$268,118
What you'd walk away with	$1,254,351
If you put the same money in stocks
Cash to close ($121,030) invested at 7%	$921,311
Monthly shortfalls ($29,983 total by yr 30) investedThe money you'd have put into the building while it lost money	$178,351
What you'd walk away with	$1,099,662
Building minus stocks	$154,689

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,024,912
Minus 6% selling cost	−$61,495
Minus loan still owedTenants' rent paid down all $316,687 of principal by year 30	$0
Plus rental profits, invested at 7%$347,644 of profit by year 30, before investment growth	$670,197
What you'd walk away with	$1,633,614
If you put the same money in stocks
Cash to close ($118,230) invested at 7%	$899,997
Monthly shortfalls ($1,525 total by yr 30) investedThe money you'd have put into the building while it lost money	$10,649
What you'd walk away with	$910,646
Building minus stocks	$722,968

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,024,912
Minus 6% selling cost	−$61,495
Minus loan still owedTenants' rent paid down all $316,687 of principal by year 30	$0
Plus rental profits, invested at 7%$182,197 of profit by year 30, before investment growth	$294,395
What you'd walk away with	$1,257,812
If you put the same money in stocks
Cash to close ($118,230) invested at 7%	$899,997
Monthly shortfalls ($24,442 total by yr 30) investedThe money you'd have put into the building while it lost money	$148,067
What you'd walk away with	$1,048,064
Building minus stocks	$209,748

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

low$863 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 072822230084: special assessments (payable 2026) = $863.46

Opportunities

Long time on market: room to negotiate. Based on: Listing data: 140 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 recordRamsey County record, payable 2026 (non-homestead)	$5,415
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$3,207
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 1911: +1 pt capital reserve; 8 bedrooms: +1 pt repairs for wear	9% / 9%

County record Public record

Recorded as	two family dwelling - side/side
Living units	2
Year built	1911
Market value (2026)	$256,700
Property tax, payable 2026	$5,415
Special assessments	$863
Homestead	no
Last sale	—

Source: Ramsey County parcel records.

City rental certificate (CofO)

Residential 2 Units: 2 unit(s), B, status pending, renews 2027-04-26.

Nearest highway

CH 37, about 891 m away.

Crime in West Side

713 incidents in the last 12 months (46 per 1,000 residents), −16% vs. the year before. St. Paul police incidents, excluding proactive visits and community events.

Status history

2026-05-15New at $432,250