1209 Quince St
Duplex · 2 units: 1 bed / 1 bath ×2 unit split estimated · 1,369 sq ft
Brainerd, MN · View the listing ↗
Photos, via Realtor.com.
- Asking price
- $239,900 2 units · $120K per unit
- Monthly cash flow
- −$619 at 20% down, 7%
- Estimated rent
- $1,650/mo medium confidence
- Break-even price
- $123,558 where cash flow hits $0
First look
This is a thin listing: no rents, no tax figure, no repairs, no utilities. Our rent estimate is about $825 per 1-bed, roughly $1,650 a month for the building, and at $239,900 that gives a 3.3% cap rate and about -$619 a month at 20% down. It doesn't work at today's rates unless the price drops a lot. The photos show dated kitchens, a shared-looking old building and visible ceiling cracks in the living room, so this is not the 'well-maintained' place the description claims. Before a showing, get the rent roll, leases, tax bill, and a rental license check, since we couldn't match a county parcel. It's worth a look only if the seller moves well toward the break-even price.
Things to consider
- Price is far above what rents support At our estimated rents the deal loses about $619 a month and breaks even near $123,558. Asking is almost double that.
- Income is unverified No rents or leases are stated, so the whole income side rests on our estimate of about $825 per unit.
- Unit count and taxes unconfirmed We couldn't match a county parcel, so legal unit count, tax bill and any assessments are unknown.
- Dated interiors and 1900 construction Kitchens and baths look older and the ceiling is cracked. Budget for updates and a thorough inspection of the structure and systems.From photo 1
- House-hack angle may be the best use Owner-occupying one side reduces the cash drag and may open lower-down-payment financing, but verify with a lender.Listing says: “owner-occupy one unit while generating rental income from the other”
From the photos
Based on 10 of the listing photos. Photos can hide as much as they show; an inspection is the real answer.
AI-assisted first read of the listing description and photos (Claude), checked against public records. Every rent and repair above quotes the listing; verify with the agent, leases and an inspection.
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
- $239,900
- Cash to close
- $31,187
- Price per unit
- $119,950
- GRM
- 12.1
Each month
- Cash flow
- −$914/mo
- Cash-on-cash
- −35.2%
- Cap rate
- 3.3%
- DSCR
- 0.42×
Break-even
- Price that breaks even
- $100,398
- Rent that breaks even
- $2,837/mo
Long run
- Year 30: property vs stocks
- $547K vs $941K
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $239,900
- Cash to close
- $31,187
- Price per unit
- $119,950
- GRM
- 12.1
Each month
- Cash flow
- −$1,053/mo
- Cash-on-cash
- −40.5%
- Cap rate
- 2.6%
- DSCR
- 0.33×
Break-even
- Price that breaks even
- $79,087
- Rent that breaks even
- $3,187/mo
Long run
- Year 30: property vs stocks
- $547K vs $1.16M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $229,900
- Cash to close
- $29,887
- Price per unit
- $114,950
- GRM
- 11.6
Each month
- Cash flow
- −$848/mo
- Cash-on-cash
- −34.1%
- Cap rate
- 3.4%
- DSCR
- 0.44×
Break-even
- Price that breaks even
- $100,398
- Rent that breaks even
- $2,752/mo
Long run
- Year 30: property vs stocks
- $525K vs $861K
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $229,900
- Cash to close
- $29,887
- Price per unit
- $114,950
- GRM
- 11.6
Each month
- Cash flow
- −$988/mo
- Cash-on-cash
- −39.7%
- Cap rate
- 2.7%
- DSCR
- 0.34×
Break-even
- Price that breaks even
- $79,087
- Rent that breaks even
- $3,091/mo
Long run
- Year 30: property vs stocks
- $525K vs $1.08M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $239,900
- Cash to close
- $55,177
- Price per unit
- $119,950
- GRM
- 12.1
Each month
- Cash flow
- −$619/mo
- Cash-on-cash
- −13.5%
- Cap rate
- 3.3%
- DSCR
- 0.52×
Break-even
- Price that breaks even
- $123,558
- Rent that breaks even
- $2,454/mo
Long run
- Year 30: property vs stocks
- $548K vs $902K
- Cash flow turns positive
- year 29
The deal
- Price
- $239,900
- Cash to close
- $55,177
- Price per unit
- $119,950
- GRM
- 12.1
Each month
- Cash flow
- −$759/mo
- Cash-on-cash
- −16.5%
- Cap rate
- 2.6%
- DSCR
- 0.41×
Break-even
- Price that breaks even
- $97,331
- Rent that breaks even
- $2,757/mo
Long run
- Year 30: property vs stocks
- $547K vs $1.12M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $229,900
- Cash to close
- $52,877
- Price per unit
- $114,950
- GRM
- 11.6
Each month
- Cash flow
- −$566/mo
- Cash-on-cash
- −12.8%
- Cap rate
- 3.4%
- DSCR
- 0.54×
Break-even
- Price that breaks even
- $123,558
- Rent that breaks even
- $2,385/mo
Long run
- Year 30: property vs stocks
- $528K vs $826K
- Cash flow turns positive
- year 27
The deal
- Price
- $229,900
- Cash to close
- $52,877
- Price per unit
- $114,950
- GRM
- 11.6
Each month
- Cash flow
- −$706/mo
- Cash-on-cash
- −16.0%
- Cap rate
- 2.7%
- DSCR
- 0.42×
Break-even
- Price that breaks even
- $97,331
- Rent that breaks even
- $2,679/mo
Long run
- Year 30: property vs stocks
- $525K vs $1.04M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $239,900
- Cash to close
- $67,172
- Price per unit
- $119,950
- GRM
- 12.1
Each month
- Cash flow
- −$539/mo
- Cash-on-cash
- −9.6%
- Cap rate
- 3.3%
- DSCR
- 0.55×
Break-even
- Price that breaks even
- $131,795
- Rent that breaks even
- $2,351/mo
Long run
- Year 30: property vs stocks
- $552K vs $907K
- Cash flow turns positive
- year 26
The deal
- Price
- $239,900
- Cash to close
- $67,172
- Price per unit
- $119,950
- GRM
- 12.1
Each month
- Cash flow
- −$679/mo
- Cash-on-cash
- −12.1%
- Cap rate
- 2.6%
- DSCR
- 0.43×
Break-even
- Price that breaks even
- $103,820
- Rent that breaks even
- $2,641/mo
Long run
- Year 30: property vs stocks
- $547K vs $1.12M
- Cash flow turns positive
- not within 30 years
The deal
- Price
- $229,900
- Cash to close
- $64,372
- Price per unit
- $114,950
- GRM
- 11.6
Each month
- Cash flow
- −$490/mo
- Cash-on-cash
- −9.1%
- Cap rate
- 3.4%
- DSCR
- 0.57×
Break-even
- Price that breaks even
- $131,795
- Rent that breaks even
- $2,286/mo
Long run
- Year 30: property vs stocks
- $534K vs $833K
- Cash flow turns positive
- year 24
The deal
- Price
- $229,900
- Cash to close
- $64,372
- Price per unit
- $114,950
- GRM
- 11.6
Each month
- Cash flow
- −$629/mo
- Cash-on-cash
- −11.7%
- Cap rate
- 2.7%
- DSCR
- 0.45×
Break-even
- Price that breaks even
- $103,820
- Rent that breaks even
- $2,568/mo
Long run
- Year 30: property vs stocks
- $525K vs $1.04M
- Cash flow turns positive
- not within 30 years
Monthly
Monthly breakdown
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Net operating income | $658 |
| Mortgage (principal + interest) | −$1,436 |
| PMI | −$135 |
| Cash flow | −$914 |
| Principal paid down (equity, not cash) | $183 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Property management | −$140 |
| Net operating income | $518 |
| Mortgage (principal + interest) | −$1,436 |
| PMI | −$135 |
| Cash flow | −$1,053 |
| Principal paid down (equity, not cash) | $183 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Net operating income | $658 |
| Mortgage (principal + interest) | −$1,377 |
| PMI | −$129 |
| Cash flow | −$848 |
| Principal paid down (equity, not cash) | $175 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Property management | −$140 |
| Net operating income | $518 |
| Mortgage (principal + interest) | −$1,377 |
| PMI | −$129 |
| Cash flow | −$988 |
| Principal paid down (equity, not cash) | $175 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Net operating income | $658 |
| Mortgage (principal + interest) | −$1,277 |
| Cash flow | −$619 |
| Principal paid down (equity, not cash) | $162 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Property management | −$140 |
| Net operating income | $518 |
| Mortgage (principal + interest) | −$1,277 |
| Cash flow | −$759 |
| Principal paid down (equity, not cash) | $162 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Net operating income | $658 |
| Mortgage (principal + interest) | −$1,224 |
| Cash flow | −$566 |
| Principal paid down (equity, not cash) | $156 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Property management | −$140 |
| Net operating income | $518 |
| Mortgage (principal + interest) | −$1,224 |
| Cash flow | −$706 |
| Principal paid down (equity, not cash) | $156 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Net operating income | $658 |
| Mortgage (principal + interest) | −$1,197 |
| Cash flow | −$539 |
| Principal paid down (equity, not cash) | $152 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Property management | −$140 |
| Net operating income | $518 |
| Mortgage (principal + interest) | −$1,197 |
| Cash flow | −$679 |
| Principal paid down (equity, not cash) | $152 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Net operating income | $658 |
| Mortgage (principal + interest) | −$1,147 |
| Cash flow | −$490 |
| Principal paid down (equity, not cash) | $146 |
| Rent | $1,650 |
| Vacancy (6%) | −$99 |
| Collected | $1,551 |
| Property tax Listing | −$186 |
| Insurance Estimate | −$196 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$132 |
| Capital reserve (9% of rent) | −$148 |
| Property management | −$140 |
| Net operating income | $518 |
| Mortgage (principal + interest) | −$1,147 |
| Cash flow | −$629 |
| Principal paid down (equity, not cash) | $146 |
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
- Your equity when you sell
- $547,362
- Rental profits, invested at 7%
- $0
Sells for $582,300 (value up 3% a year), minus 6% selling cost ($34,938). Rent paid down $215,910 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $237,403
- Monthly shortfalls, invested
- $703,518
$31,187 put into an index fund instead of the down payment and closing costs.
$177,924 you'd have paid in while the building lost money, invested instead.
Stocks come out $393,560 ahead after 30 years.
- Your equity when you sell
- $547,362
- Rental profits, invested at 7%
- $0
Sells for $582,300 (value up 3% a year), minus 6% selling cost ($34,938). Rent paid down $215,910 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $237,403
- Monthly shortfalls, invested
- $920,650
$31,187 put into an index fund instead of the down payment and closing costs.
$257,616 you'd have paid in while the building lost money, invested instead.
Stocks come out $610,691 ahead after 30 years.
- Your equity when you sell
- $524,546
- Rental profits, invested at 7%
- $0
Sells for $558,028 (value up 3% a year), minus 6% selling cost ($33,482). Rent paid down $206,910 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $227,507
- Monthly shortfalls, invested
- $633,905
$29,887 put into an index fund instead of the down payment and closing costs.
$156,098 you'd have paid in while the building lost money, invested instead.
Stocks come out $336,867 ahead after 30 years.
- Your equity when you sell
- $524,546
- Rental profits, invested at 7%
- $0
Sells for $558,028 (value up 3% a year), minus 6% selling cost ($33,482). Rent paid down $206,910 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $227,507
- Monthly shortfalls, invested
- $851,037
$29,887 put into an index fund instead of the down payment and closing costs.
$235,791 you'd have paid in while the building lost money, invested instead.
Stocks come out $553,999 ahead after 30 years.
- Your equity when you sell
- $547,362
- Rental profits, invested at 7%
- $971
Sells for $582,300 (value up 3% a year), minus 6% selling cost ($34,938). Rent paid down $191,920 of loan.
$951 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $420,021
- Monthly shortfalls, invested
- $481,818
$55,177 put into an index fund instead of the down payment and closing costs.
$114,940 you'd have paid in while the building lost money, invested instead.
Stocks come out $353,506 ahead after 30 years.
- Your equity when you sell
- $547,362
- Rental profits, invested at 7%
- $0
Sells for $582,300 (value up 3% a year), minus 6% selling cost ($34,938). Rent paid down $191,920 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $420,021
- Monthly shortfalls, invested
- $697,979
$55,177 put into an index fund instead of the down payment and closing costs.
$193,681 you'd have paid in while the building lost money, invested instead.
Stocks come out $570,638 ahead after 30 years.
- Your equity when you sell
- $524,546
- Rental profits, invested at 7%
- $3,193
Sells for $558,028 (value up 3% a year), minus 6% selling cost ($33,482). Rent paid down $183,920 of loan.
$3,000 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $402,513
- Monthly shortfalls, invested
- $423,709
$52,877 put into an index fund instead of the down payment and closing costs.
$97,827 you'd have paid in while the building lost money, invested instead.
Stocks come out $298,483 ahead after 30 years.
- Your equity when you sell
- $524,546
- Rental profits, invested at 7%
- $0
Sells for $558,028 (value up 3% a year), minus 6% selling cost ($33,482). Rent paid down $183,920 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $402,513
- Monthly shortfalls, invested
- $637,648
$52,877 put into an index fund instead of the down payment and closing costs.
$174,520 you'd have paid in while the building lost money, invested instead.
Stocks come out $515,615 ahead after 30 years.
- Your equity when you sell
- $547,362
- Rental profits, invested at 7%
- $4,841
Sells for $582,300 (value up 3% a year), minus 6% selling cost ($34,938). Rent paid down $179,925 of loan.
$4,452 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $511,330
- Monthly shortfalls, invested
- $395,228
$67,172 put into an index fund instead of the down payment and closing costs.
$89,711 you'd have paid in while the building lost money, invested instead.
Stocks come out $354,356 ahead after 30 years.
- Your equity when you sell
- $547,362
- Rental profits, invested at 7%
- $0
Sells for $582,300 (value up 3% a year), minus 6% selling cost ($34,938). Rent paid down $179,925 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $511,330
- Monthly shortfalls, invested
- $607,520
$67,172 put into an index fund instead of the down payment and closing costs.
$164,952 you'd have paid in while the building lost money, invested instead.
Stocks come out $571,488 ahead after 30 years.
- Your equity when you sell
- $524,546
- Rental profits, invested at 7%
- $9,040
Sells for $558,028 (value up 3% a year), minus 6% selling cost ($33,482). Rent paid down $172,425 of loan.
$7,978 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $490,016
- Monthly shortfalls, invested
- $342,868
$64,372 put into an index fund instead of the down payment and closing costs.
$75,274 you'd have paid in while the building lost money, invested instead.
Stocks come out $299,298 ahead after 30 years.
- Your equity when you sell
- $524,546
- Rental profits, invested at 7%
- $0
Sells for $558,028 (value up 3% a year), minus 6% selling cost ($33,482). Rent paid down $172,425 of loan.
$0 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $490,016
- Monthly shortfalls, invested
- $550,959
$64,372 put into an index fund instead of the down payment and closing costs.
$146,989 you'd have paid in while the building lost money, invested instead.
Stocks come out $516,429 ahead after 30 years.
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
Year 30 (loan paid off): property $547K, stocks $941K. Stocks win.
Year 30 (loan paid off): property $547K, stocks $1.16M. Stocks win.
Year 30 (loan paid off): property $525K, stocks $861K. Stocks win.
Year 30 (loan paid off): property $525K, stocks $1.08M. Stocks win.
Year 30 (loan paid off): property $548K, stocks $902K. Stocks win.
Year 30 (loan paid off): property $547K, stocks $1.12M. Stocks win.
Year 30 (loan paid off): property $528K, stocks $826K. Stocks win.
Year 30 (loan paid off): property $525K, stocks $1.04M. Stocks win.
Year 30 (loan paid off): property $552K, stocks $907K. Stocks win.
Year 30 (loan paid off): property $547K, stocks $1.12M. Stocks win.
Year 30 (loan paid off): property $534K, stocks $833K. Stocks win.
Year 30 (loan paid off): property $525K, stocks $1.04M. Stocks win.
Comparable rentals
Nearby rentals RentCast matched to each unit type, as of 2026-10-05. The estimate above is RentCast's, weighted toward the closest matches.
1 bed / 1 bath estimate $825/mo · range $650–$975
| Address | Rent | Bd / Ba | Distance | Match |
|---|---|---|---|---|
| 720 1/2 Laurel St, Brainerd 56401 off market | $625 | 1 / 1 | 0.5 mi | 93% |
| 301 S 7th St, Brainerd 56401 | $625 | 1 / 1 | 0.5 mi | 93% |
| 214 S 8th St, Brainerd 56401 | $620 | 1 / 1 | 0.5 mi | 93% |
| 217 S 7th St, Brainerd 56401 off market | $595 | 1 / 1 | 0.5 mi | 93% |
| 215 N 6th St, Brainerd 56401 off market | $885 | 1 / 1 | 0.7 mi | 93% |
| 215 N 5th St, Brainerd 56401 off market | $795 | 1 / 1 | 0.8 mi | 93% |
| 703 N 4th St, Brainerd 56401 off market | $850 | 1 / 1 | 1.1 mi | 92% |
| 732 F St NE, Brainerd 56401 off market | $850 | 1 / 1 | 1.1 mi | 92% |
| 500 Nw 4th St, Apt 103, Brainerd 56401 off market | $1,150 | 1 / 1 | 1.4 mi | 92% |
| 1102 15th Ave NE, Brainerd 56401 off market | $895 | 1 / 1 | 1.8 mi | 91% |
On the maps, this property and comparable rentals. Comparable rentals and rent estimate: RentCast. Rents are asking rents from listings; check them against the actual leases.
Red flags and opportunities
Watch for
- highNo rents, lease terms or tax figures given, so income can't be verified. Based on: data: county.tax · AI review
- mediumCouldn't match this address to a county parcel record, so taxes and unit count are unverified. Public record: County parcels: no match for 1209 QUINCE ST
- mediumAsking is $116,342 above the price where cash flow breaks even ($123,558) at the default scenario. Based on: Derived: price $239,900 vs. break-even $123,558
- mediumDescription calls it 'well-maintained' but the photos show cracked ceiling plaster and dated finishes. Listing says: This well-maintained duplex features two 1-bedroom, 1-bath units · AI review
- mediumBuilt in 1900: expect old wiring, plumbing and possibly lead paint. Based on: data: listing.year_built · AI review
- low61 days on market with no price cut mentioned; seller may be anchored well above what rents support. Based on: data: listing.days_on_market · AI review
Opportunities
- Owner-occupy one unit to offset the carrying cost, if buying as a house hack. Listing says: owner-occupy one unit while generating rental income from the other · AI review
- Detached garage and off-street parking help rentability and could earn extra rent. Listing says: The property includes a detached 2-stall garage, off-street parking · AI review
- No rent cap, so rents can rise to market after updating the dated kitchens. Based on: data: underwriting.rent_rule · AI review
Questions for the agent
- What are the current rents, lease end dates and security deposits for each unit?
- What are the annual taxes, and is the listed figure homestead?
- Is the property licensed as a rental, and is it legally two units?
- Who pays heat, water and electric, and are there separate meters and furnaces?
- How old are the roof, furnace, water heaters and electrical panels?
- Why has it sat 61 days, and will the seller negotiate on price?
Bottom line
At $239,900 the numbers lose about $600 a month; only worth pursuing at a much lower price with verified rents. AI-assisted summary
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. | $2,238 |
| Insurance / yr Estimateestimate. from units, square feet and age; get a quote | $2,356 |
| 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% |
Price history Realtor.com
On the market since 2026-08-05 (61 days).
| Date | Event | Price |
|---|---|---|
| Listed | $239,900 |
From the listing Listing
| Listed as | duplex up and down |
| Property tax, 2026 | $2,238 |
| County | Crow Wing |
| Parcel number | 41250737 |
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 Brainerd on rental licensing before you buy.