19 W 25th St
Duplex · 2 units: 4 bed / 1 bath ×2 unit split estimated · 3,978 sq ft
Minneapolis, MN · Whittier · View the listing ↗
Photos, via Realtor.com.
- Asking price
- $479,900 2 units · $240K per unit
- Monthly cash flow
- −$523 at 20% down, 7%
- Break-even price
- $381,575 where cash flow hits $0
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
- $479,900
- Cash to close
- $62,387
- Price per unit
- $239,950
- GRM
- 9.5
Each month
- Cash flow
- −$1,113/mo
- Cash-on-cash
- −21.4%
- Cap rate
- 5.1%
- DSCR
- 0.65×
Break-even
- Price that breaks even
- $310,051
- Rent that breaks even
- $5,664/mo
Long run
- Year 30: property vs stocks
- $1.30M vs $969K
- Cash flow turns positive
- year 15
The deal
- Price
- $479,900
- Cash to close
- $62,387
- Price per unit
- $239,950
- GRM
- 9.5
Each month
- Cash flow
- −$1,468/mo
- Cash-on-cash
- −28.2%
- Cap rate
- 4.2%
- DSCR
- 0.53×
Break-even
- Price that breaks even
- $255,806
- Rent that breaks even
- $6,373/mo
Long run
- Year 30: property vs stocks
- $1.14M vs $1.36M
- Cash flow turns positive
- year 22
The deal
- Price
- $469,900
- Cash to close
- $61,087
- Price per unit
- $234,950
- GRM
- 9.3
Each month
- Cash flow
- −$1,047/mo
- Cash-on-cash
- −20.6%
- Cap rate
- 5.2%
- DSCR
- 0.66×
Break-even
- Price that breaks even
- $310,051
- Rent that breaks even
- $5,578/mo
Long run
- Year 30: property vs stocks
- $1.30M vs $911K
- Cash flow turns positive
- year 14
The deal
- Price
- $469,900
- Cash to close
- $61,087
- Price per unit
- $234,950
- GRM
- 9.3
Each month
- Cash flow
- −$1,402/mo
- Cash-on-cash
- −27.5%
- Cap rate
- 4.3%
- DSCR
- 0.54×
Break-even
- Price that breaks even
- $255,806
- Rent that breaks even
- $6,276/mo
Long run
- Year 30: property vs stocks
- $1.12M vs $1.29M
- Cash flow turns positive
- year 22
The deal
- Price
- $479,900
- Cash to close
- $110,377
- Price per unit
- $239,950
- GRM
- 9.5
Each month
- Cash flow
- −$523/mo
- Cash-on-cash
- −5.7%
- Cap rate
- 5.1%
- DSCR
- 0.80×
Break-even
- Price that breaks even
- $381,575
- Rent that breaks even
- $4,889/mo
Long run
- Year 30: property vs stocks
- $1.44M vs $1.03M
- Cash flow turns positive
- year 10
The deal
- Price
- $479,900
- Cash to close
- $110,377
- Price per unit
- $239,950
- GRM
- 9.5
Each month
- Cash flow
- −$879/mo
- Cash-on-cash
- −9.6%
- Cap rate
- 4.2%
- DSCR
- 0.66×
Break-even
- Price that breaks even
- $314,816
- Rent that breaks even
- $5,501/mo
Long run
- Year 30: property vs stocks
- $1.20M vs $1.34M
- Cash flow turns positive
- year 18
The deal
- Price
- $469,900
- Cash to close
- $108,077
- Price per unit
- $234,950
- GRM
- 9.3
Each month
- Cash flow
- −$470/mo
- Cash-on-cash
- −5.2%
- Cap rate
- 5.2%
- DSCR
- 0.81×
Break-even
- Price that breaks even
- $381,575
- Rent that breaks even
- $4,819/mo
Long run
- Year 30: property vs stocks
- $1.45M vs $980K
- Cash flow turns positive
- year 9
The deal
- Price
- $469,900
- Cash to close
- $108,077
- Price per unit
- $234,950
- GRM
- 9.3
Each month
- Cash flow
- −$825/mo
- Cash-on-cash
- −9.2%
- Cap rate
- 4.3%
- DSCR
- 0.67×
Break-even
- Price that breaks even
- $314,816
- Rent that breaks even
- $5,422/mo
Long run
- Year 30: property vs stocks
- $1.19M vs $1.27M
- Cash flow turns positive
- year 17
The deal
- Price
- $479,900
- Cash to close
- $134,372
- Price per unit
- $239,950
- GRM
- 9.5
Each month
- Cash flow
- −$364/mo
- Cash-on-cash
- −3.2%
- Cap rate
- 5.1%
- DSCR
- 0.85×
Break-even
- Price that breaks even
- $407,014
- Rent that breaks even
- $4,679/mo
Long run
- Year 30: property vs stocks
- $1.53M vs $1.12M
- Cash flow turns positive
- year 8
The deal
- Price
- $479,900
- Cash to close
- $134,372
- Price per unit
- $239,950
- GRM
- 9.5
Each month
- Cash flow
- −$719/mo
- Cash-on-cash
- −6.4%
- Cap rate
- 4.2%
- DSCR
- 0.70×
Break-even
- Price that breaks even
- $335,804
- Rent that breaks even
- $5,265/mo
Long run
- Year 30: property vs stocks
- $1.24M vs $1.39M
- Cash flow turns positive
- year 15
The deal
- Price
- $469,900
- Cash to close
- $131,572
- Price per unit
- $234,950
- GRM
- 9.3
Each month
- Cash flow
- −$314/mo
- Cash-on-cash
- −2.9%
- Cap rate
- 5.2%
- DSCR
- 0.87×
Break-even
- Price that breaks even
- $407,014
- Rent that breaks even
- $4,613/mo
Long run
- Year 30: property vs stocks
- $1.55M vs $1.08M
- Cash flow turns positive
- year 7
The deal
- Price
- $469,900
- Cash to close
- $131,572
- Price per unit
- $234,950
- GRM
- 9.3
Each month
- Cash flow
- −$669/mo
- Cash-on-cash
- −6.1%
- Cap rate
- 4.3%
- DSCR
- 0.71×
Break-even
- Price that breaks even
- $335,804
- Rent that breaks even
- $5,191/mo
Long run
- Year 30: property vs stocks
- $1.24M vs $1.32M
- Cash flow turns positive
- year 14
Monthly
Monthly breakdown
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Net operating income | $2,031 |
| Mortgage (principal + interest) | −$2,874 |
| PMI | −$270 |
| Cash flow | −$1,113 |
| Principal paid down (equity, not cash) | $366 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Property management | −$355 |
| Net operating income | $1,676 |
| Mortgage (principal + interest) | −$2,874 |
| PMI | −$270 |
| Cash flow | −$1,468 |
| Principal paid down (equity, not cash) | $366 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Net operating income | $2,031 |
| Mortgage (principal + interest) | −$2,814 |
| PMI | −$264 |
| Cash flow | −$1,047 |
| Principal paid down (equity, not cash) | $358 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Property management | −$355 |
| Net operating income | $1,676 |
| Mortgage (principal + interest) | −$2,814 |
| PMI | −$264 |
| Cash flow | −$1,402 |
| Principal paid down (equity, not cash) | $358 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Net operating income | $2,031 |
| Mortgage (principal + interest) | −$2,554 |
| Cash flow | −$523 |
| Principal paid down (equity, not cash) | $325 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Property management | −$355 |
| Net operating income | $1,676 |
| Mortgage (principal + interest) | −$2,554 |
| Cash flow | −$879 |
| Principal paid down (equity, not cash) | $325 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Net operating income | $2,031 |
| Mortgage (principal + interest) | −$2,501 |
| Cash flow | −$470 |
| Principal paid down (equity, not cash) | $318 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Property management | −$355 |
| Net operating income | $1,676 |
| Mortgage (principal + interest) | −$2,501 |
| Cash flow | −$825 |
| Principal paid down (equity, not cash) | $318 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Net operating income | $2,031 |
| Mortgage (principal + interest) | −$2,395 |
| Cash flow | −$364 |
| Principal paid down (equity, not cash) | $305 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Property management | −$355 |
| Net operating income | $1,676 |
| Mortgage (principal + interest) | −$2,395 |
| Cash flow | −$719 |
| Principal paid down (equity, not cash) | $305 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Net operating income | $2,031 |
| Mortgage (principal + interest) | −$2,345 |
| Cash flow | −$314 |
| Principal paid down (equity, not cash) | $298 |
| Rent | $4,200 |
| Vacancy (6%) | −$252 |
| Collected | $3,948 |
| Property tax Public record | −$675 |
| Insurance Estimate | −$256 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (9% of rent) | −$378 |
| Capital reserve (9% of rent) | −$378 |
| Property management | −$355 |
| Net operating income | $1,676 |
| Mortgage (principal + interest) | −$2,345 |
| Cash flow | −$669 |
| Principal paid down (equity, not cash) | $298 |
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
- $1,094,952
- Rental profits, invested at 7%
- $205,117
Sells for $1,164,843 (value up 3% a year), minus 6% selling cost ($69,891). Rent paid down $431,910 of loan.
$143,170 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $474,906
- Monthly shortfalls, invested
- $493,704
$62,387 put into an index fund instead of the down payment and closing costs.
$87,528 you'd have paid in while the building lost money, invested instead.
The building comes out $331,460 ahead after 30 years.
- Your equity when you sell
- $1,094,952
- Rental profits, invested at 7%
- $41,978
Sells for $1,164,843 (value up 3% a year), minus 6% selling cost ($69,891). Rent paid down $431,910 of loan.
$35,466 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $474,906
- Monthly shortfalls, invested
- $883,264
$62,387 put into an index fund instead of the down payment and closing costs.
$182,678 you'd have paid in while the building lost money, invested instead.
Stocks come out $221,240 ahead after 30 years.
- Your equity when you sell
- $1,072,137
- Rental profits, invested at 7%
- $227,211
Sells for $1,140,571 (value up 3% a year), minus 6% selling cost ($68,434). Rent paid down $422,910 of loan.
$155,363 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $465,010
- Monthly shortfalls, invested
- $446,185
$61,087 put into an index fund instead of the down payment and closing costs.
$77,895 you'd have paid in while the building lost money, invested instead.
The building comes out $388,153 ahead after 30 years.
- Your equity when you sell
- $1,072,137
- Rental profits, invested at 7%
- $50,584
Sells for $1,140,571 (value up 3% a year), minus 6% selling cost ($68,434). Rent paid down $422,910 of loan.
$41,933 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $465,010
- Monthly shortfalls, invested
- $822,258
$61,087 put into an index fund instead of the down payment and closing costs.
$167,319 you'd have paid in while the building lost money, invested instead.
Stocks come out $164,546 ahead after 30 years.
- Your equity when you sell
- $1,094,952
- Rental profits, invested at 7%
- $344,801
Sells for $1,164,843 (value up 3% a year), minus 6% selling cost ($69,891). Rent paid down $383,920 of loan.
$214,728 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $840,218
- Monthly shortfalls, invested
- $187,953
$110,377 put into an index fund instead of the down payment and closing costs.
$31,188 you'd have paid in while the building lost money, invested instead.
The building comes out $411,583 ahead after 30 years.
- Your equity when you sell
- $1,094,952
- Rental profits, invested at 7%
- $102,365
Sells for $1,164,843 (value up 3% a year), minus 6% selling cost ($69,891). Rent paid down $383,920 of loan.
$77,333 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $840,218
- Monthly shortfalls, invested
- $498,216
$110,377 put into an index fund instead of the down payment and closing costs.
$96,647 you'd have paid in while the building lost money, invested instead.
Stocks come out $141,117 ahead after 30 years.
- Your equity when you sell
- $1,072,137
- Rental profits, invested at 7%
- $374,131
Sells for $1,140,571 (value up 3% a year), minus 6% selling cost ($68,434). Rent paid down $375,920 of loan.
$228,303 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $822,710
- Monthly shortfalls, invested
- $156,951
$108,077 put into an index fund instead of the down payment and closing costs.
$25,603 you'd have paid in while the building lost money, invested instead.
The building comes out $466,607 ahead after 30 years.
- Your equity when you sell
- $1,072,137
- Rental profits, invested at 7%
- $116,319
Sells for $1,140,571 (value up 3% a year), minus 6% selling cost ($68,434). Rent paid down $375,920 of loan.
$86,088 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $822,710
- Monthly shortfalls, invested
- $451,839
$108,077 put into an index fund instead of the down payment and closing costs.
$86,242 you'd have paid in while the building lost money, invested instead.
Stocks come out $86,093 ahead after 30 years.
- Your equity when you sell
- $1,094,952
- Rental profits, invested at 7%
- $439,578
Sells for $1,164,843 (value up 3% a year), minus 6% selling cost ($69,891). Rent paid down $359,925 of loan.
$257,044 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,022,874
- Monthly shortfalls, invested
- $101,773
$134,372 put into an index fund instead of the down payment and closing costs.
$16,034 you'd have paid in while the building lost money, invested instead.
The building comes out $409,883 ahead after 30 years.
- Your equity when you sell
- $1,094,952
- Rental profits, invested at 7%
- $148,132
Sells for $1,164,843 (value up 3% a year), minus 6% selling cost ($69,891). Rent paid down $359,925 of loan.
$105,122 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,022,874
- Monthly shortfalls, invested
- $363,027
$134,372 put into an index fund instead of the down payment and closing costs.
$66,966 you'd have paid in while the building lost money, invested instead.
Stocks come out $142,817 ahead after 30 years.
- Your equity when you sell
- $1,072,137
- Rental profits, invested at 7%
- $473,817
Sells for $1,140,571 (value up 3% a year), minus 6% selling cost ($68,434). Rent paid down $352,425 of loan.
$271,289 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,001,560
- Monthly shortfalls, invested
- $79,452
$131,572 put into an index fund instead of the down payment and closing costs.
$12,316 you'd have paid in while the building lost money, invested instead.
The building comes out $464,942 ahead after 30 years.
- Your equity when you sell
- $1,072,137
- Rental profits, invested at 7%
- $165,013
Sells for $1,140,571 (value up 3% a year), minus 6% selling cost ($68,434). Rent paid down $352,425 of loan.
$114,764 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $1,001,560
- Monthly shortfalls, invested
- $323,348
$131,572 put into an index fund instead of the down payment and closing costs.
$58,645 you'd have paid in while the building lost money, invested instead.
Stocks come out $87,757 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 $1.30M, stocks $969K. The property wins.
Year 30 (loan paid off): property $1.14M, stocks $1.36M. Stocks win.
Year 30 (loan paid off): property $1.30M, stocks $911K. The property wins.
Year 30 (loan paid off): property $1.12M, stocks $1.29M. Stocks win.
Year 30 (loan paid off): property $1.44M, stocks $1.03M. The property wins.
Year 30 (loan paid off): property $1.20M, stocks $1.34M. Stocks win.
Year 30 (loan paid off): property $1.45M, stocks $980K. The property wins.
Year 30 (loan paid off): property $1.19M, stocks $1.27M. Stocks win.
Year 30 (loan paid off): property $1.53M, stocks $1.12M. The property wins.
Year 30 (loan paid off): property $1.24M, stocks $1.39M. Stocks win.
Year 30 (loan paid off): property $1.55M, stocks $1.08M. The property wins.
Year 30 (loan paid off): property $1.24M, stocks $1.32M. Stocks win.
Comparable rentals
The closest rental listings with each unit's bedroom count, as of 2026-10-06. 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.
4 bed estimate $2,100/mo · range $2,100–$2,200 · 7 rentals within 2.75 mi
| Address | Rent | Bd / Ba | Distance |
|---|---|---|---|
| 3032 3rd Ave S, Minneapolis | $2,200 | 4 / 1 | 0.7 mi |
| 808-810 University Ave SE, Minneapolis | $2,100 | 4 / 1 | 2.4 mi |
| 1030 Knox Ave N, Minneapolis | $2,099 | 4 / 1 | 2.4 mi |
| 628 4th St SE, Minneapolis | $2,000 | 4 / 1 | 2.5 mi |
| 513 8th Ave SE, Minneapolis | $2,000 | 4 / 1 | 2.6 mi |
| 1103 5th St SE, Minneapolis | $2,000 | 4 / 1 | 2.7 mi |
| 410 5th St NE, Minneapolis | $1,750 | 4 / 1 | 2.7 mi |
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
No red flags in the available data. That isn't the same as none.
Opportunities
- Long time on market: room to negotiate. Based on: Listing data: 180 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 recordHennepin County record, current payable year (non-homestead) | $8,099 |
| Insurance / yr Estimateestimate. from units, square feet and age; get a quote | $3,074 |
| 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 1905: +1 pt capital reserve; 8 bedrooms: +1 pt repairs for wear | 9% / 9% |
Price history Realtor.com
On the market since 2026-04-08 (180 days); down $35,000 (6.8%) from the first ask of $514,900.
| Date | Event | Price |
|---|---|---|
| Price changed | $479,900 | |
| Removed | $629,900 | |
| Listed | $514,900 |
County record Public record
| Recorded as | duplex |
| Living units | 2 |
| Year built | 1905 |
| Market value (2026) | $426,500 |
| Property tax | $8,099 |
| Special assessments | none |
| Homestead | no |
| Last sale | — |
Source: Hennepin County parcel records.
City rental license
CHOWNEXMPT: 2 unit(s), Tier 1, status active, renews 2027-03-01.
Nearest highway
I 35W, about 659 m away.
Crime in Whittier
1,136 incidents in the last 12 months (76 per 1,000 residents), +1% vs. the year before. Minneapolis police incidents, all reported offenses (definitions differ from St. Paul's, so don't compare across cities).