Saint Cloud

Neighborhood profile

Listings we track

14

Median price per unit

$102K

Typical cash flow

−$444

median per month, 20% down

Rent rules

No cap

Rents can reset to market at renewal

Crime, rental-license and Census neighborhood figures are only available for St. Paul and Minneapolis so far.

Map

Top picks

Ranked on real rent estimates (nearby comparable rentals or our own research). Listings with a serious red flag are under Proceed with caution instead, however good the numbers look.

Fourplex

−$60/mo cash flow

Close · cap 6.2% · 20% down

$329,900

4 units8 bd4 ba3,708 sqft

1330 5th Ave S, Saint Cloud

Rents: RentCast comps

Duplex

−$134/mo cash flow

Close · cap 5.5% · 20% down

$189,900

2 units3 bd2 ba1,014 sqft

53 20th Ave S, Saint Cloud

Rents: 16 rentals within 1.5 mi

Triplex

−$444/mo cash flow

Overpriced · cap 4.6% · 20% down

$299,900

3 units6 bd3 ba3,056 sqft

420 6th Ave S, Saint Cloud

Rents: 9 rentals within 0.75 mi

Duplex

−$1,291/mo cash flow

Far off · cap 2.0% · 20% down

$350,000

2 units8 bd4 ba3,074 sqft

1312 5th Ave S, Saint Cloud

Rents: RentCast comps

Ways to slice it

Needs more info

Left out of the rankings until a data problem is resolved.

All listings

14 listings. Filter by price or units, or switch the down payment.

1. 1330 5th Ave S

   $329,900 · 4 units
   Close
   Cash flow −$60/mo Cap 6.2% Break-even price $319K Yr 30 vs stocks 2.23× Positive in yr 3

   A student-area 4-plex at about a 6% cap and -$60 a month of cash flow, so it only works if real rents beat our $925 estimate and the seller drops the price toward about $319K.

2. 53 20th Ave S

   $189,900 · 2 units
   Close
   Cash flow −$134/mo Cap 5.5% Break-even price $165K Yr 30 vs stocks 1.74× Positive in yr 7

   Cheap-looking duplex with a new roof and siding claimed, but at $189,900 it loses money, so it only works nearer $165K after you verify the units and taxes.

3. 511 6th Ave S

   $175,000 · 4 units
   Close
   Cash flow −$4/mo Cap 6.4% Break-even price $174K Yr 30 vs stocks 2.26× Positive in yr 2

   A student-rental house priced for break-even, not a real 4-unit; the case rests on the lease and a single-family resale exit, so the price needs to come down.

   Rent is a single $1,875 for the whole house, which is low against $175K. Cash flow is about break-even at the ask.

4. 1340 5th Ave S

   $329,900 · 4 units
   Close
   Cash flow −$58/mo Cap 6.2% Break-even price $319K Yr 30 vs stocks 2.23× Positive in yr 3

   Marginal student-rental 4-plex on paper, so confirm the package question, who pays electric, and real rents before trusting the 6.2% cap.

   Listing is a two-building package; unclear whether price and facts cover one building or both

5. 226 3rd Ave NE

   $176,750 · 2 units
   Overpriced
   Cash flow −$226/mo Cap 4.9% Break-even price $134K Yr 30 vs stocks 1.18× Positive in yr 13

   A tidy-looking duplex that loses money at asking and only works with a lower price or owner-occupancy, so verify the $1,250 rent first.

   Negative cash flow at asking price with 20% down.

6. 306 9th Ave S

   $222,500 · 2 units
   Overpriced
   Cash flow −$245/mo Cap 5.1% Break-even price $176K Yr 30 vs stocks 1.37× Positive in yr 10

   A walkable 1905 duplex that loses money at $222,500 on our numbers; it only works near $176K with the rents and taxes verified.

   No rents or lease terms given for the main unit; income is unverified.

7. 420 6th Ave S

   $299,900 · 3 units
   Overpriced
   Cash flow −$444/mo Cap 4.6% Break-even price $217K Yr 30 vs stocks 1.05× Positive in yr 15

   A usable house-hack, but at $299,900 the numbers lose money each month, so it only works as an owner-occupant purchase or at a much lower price.

8. 1324 1st St N

   $239,000 · 2 units
   Far off
   Cash flow −$650/mo Cap 3.1% Break-even price $117K Yr 30 vs stocks 0.57× Positive in 30+ yrs

   Big duplex with a cosmetic refresh, but at $239K it loses money; it only works near $117K.

   Price is far above what rents support; cash flow is negative at asking

9. 1312 5th Ave S

   $350,000 · 2 units
   Far off
   Cash flow −$1,291/mo Cap 2.0% Break-even price $107K Yr 30 vs stocks 0.42× Positive in 30+ yrs

   Newer, large duplex in a student market, but $350K is roughly $243K above where the numbers work, so only bid far lower.

10. 427 16th Ave N

    $275,000 · 2 units
    Far off
    Cash flow −$621/mo Cap 3.7% Break-even price $158K Yr 30 vs stocks 0.71× Positive in yr 23

    A vague three-unit listing priced about $117K above break-even; get the rent roll and the legal unit count before spending time on it.

    Three units across two houses on one parcel: legal status, licensing and separate utilities are unclear, and our county match failed

11. 707 6th Ave S

    $204,900 · 2 units
    Far off
    Cash flow −$656/mo Cap 2.5% Break-even price $82K Yr 30 vs stocks 0.48× Positive in 30+ yrs

    A student-rental house priced about $123K above where the numbers work, and the 523 days listed suggest the market agrees.

    Lodging-style 7-bed setup may not be a legal or licensed use. Check the rental license and city occupancy limits.

12. 523 8th Ave N

    $475,000 · 2 units
    Far off
    Cash flow −$1,722/mo Cap 2.0% Break-even price $151K Yr 30 vs stocks 0.43× Positive in 30+ yrs

    At $475K for what our numbers treat as a two-unit building, it doesn't work, so find out the real package price and rents before spending time.

    Package sale with unclear pricing: the list price may cover six units, while our data covers two

13. 525/527 8th Ave N

    $475,000 · 2 units
    Far off
    Cash flow −$1,815/mo Cap 1.8% Break-even price $134K Yr 30 vs stocks 0.41× Positive in 30+ yrs

    A six-unit package with no rents given and numbers that don't work at $475K on the data we have; get the rent roll before spending time on it.

    Package sale: price and our numbers don't line up on unit count

14. 1116 7th Ave S

    $359,900
    Needs more info

    A student-rental four-plex with separately metered units, but unknown rents, a forced package purchase and no numbers yet mean it's a verify-first, not a rush.

    Needs more info: No reliable rent estimate: too few comparable rentals close by, and no RentCast estimate.

Monthly cash flow

What's changing

Nothing curated for this city yet.