205 4th St N
Duplex · 2 units: 1 bed / 1 bath ×2 unit split estimated · 1,273 sq ft
Virginia, MN · View the listing ↗
Photos, via Realtor.com.
- Asking price
- $109,900 2 units · $55K per unit
- Monthly cash flow
- $262 at 20% down, 7%
- Estimated rent
- $1,900/mo medium confidence
- Break-even price
- $159,045 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
- $109,900
- Cash to close
- $14,287
- Price per unit
- $54,950
- GRM
- 4.8
Each month
- Cash flow
- $127/mo
- Cash-on-cash
- 10.6%
- Cap rate
- 9.2%
- DSCR
- 1.18×
Break-even
- Price that breaks even
- $129,233
- Rent that breaks even
- $1,736/mo
Long run
- Year 30: property vs stocks
- $746K vs $109K
- Cash flow turns positive
- year 1
The deal
- Price
- $109,900
- Cash to close
- $14,287
- Price per unit
- $54,950
- GRM
- 4.8
Each month
- Cash flow
- −$34/mo
- Cash-on-cash
- −2.9%
- Cap rate
- 7.5%
- DSCR
- 0.95×
Break-even
- Price that breaks even
- $104,693
- Rent that breaks even
- $1,950/mo
Long run
- Year 30: property vs stocks
- $500K vs $113K
- Cash flow turns positive
- year 3
The deal
- Price
- $99,900
- Cash to close
- $12,987
- Price per unit
- $49,950
- GRM
- 4.4
Each month
- Cash flow
- $192/mo
- Cash-on-cash
- 17.8%
- Cap rate
- 10.2%
- DSCR
- 1.29×
Break-even
- Price that breaks even
- $129,233
- Rent that breaks even
- $1,650/mo
Long run
- Year 30: property vs stocks
- $792K vs $99K
- Cash flow turns positive
- year 1
The deal
- Price
- $99,900
- Cash to close
- $12,987
- Price per unit
- $49,950
- GRM
- 4.4
Each month
- Cash flow
- $31/mo
- Cash-on-cash
- 2.9%
- Cap rate
- 8.2%
- DSCR
- 1.05×
Break-even
- Price that breaks even
- $104,693
- Rent that breaks even
- $1,854/mo
Long run
- Year 30: property vs stocks
- $542K vs $99K
- Cash flow turns positive
- year 1
The deal
- Price
- $109,900
- Cash to close
- $25,277
- Price per unit
- $54,950
- GRM
- 4.8
Each month
- Cash flow
- $262/mo
- Cash-on-cash
- 12.4%
- Cap rate
- 9.2%
- DSCR
- 1.45×
Break-even
- Price that breaks even
- $159,045
- Rent that breaks even
- $1,560/mo
Long run
- Year 30: property vs stocks
- $848K vs $192K
- Cash flow turns positive
- year 1
The deal
- Price
- $109,900
- Cash to close
- $25,277
- Price per unit
- $54,950
- GRM
- 4.8
Each month
- Cash flow
- $101/mo
- Cash-on-cash
- 4.8%
- Cap rate
- 7.5%
- DSCR
- 1.17×
Break-even
- Price that breaks even
- $128,844
- Rent that breaks even
- $1,753/mo
Long run
- Year 30: property vs stocks
- $598K vs $192K
- Cash flow turns positive
- year 1
The deal
- Price
- $99,900
- Cash to close
- $22,977
- Price per unit
- $49,950
- GRM
- 4.4
Each month
- Cash flow
- $315/mo
- Cash-on-cash
- 16.4%
- Cap rate
- 10.2%
- DSCR
- 1.59×
Break-even
- Price that breaks even
- $159,045
- Rent that breaks even
- $1,491/mo
Long run
- Year 30: property vs stocks
- $885K vs $175K
- Cash flow turns positive
- year 1
The deal
- Price
- $99,900
- Cash to close
- $22,977
- Price per unit
- $49,950
- GRM
- 4.4
Each month
- Cash flow
- $154/mo
- Cash-on-cash
- 8.0%
- Cap rate
- 8.2%
- DSCR
- 1.29×
Break-even
- Price that breaks even
- $128,844
- Rent that breaks even
- $1,675/mo
Long run
- Year 30: property vs stocks
- $635K vs $175K
- Cash flow turns positive
- year 1
The deal
- Price
- $109,900
- Cash to close
- $30,772
- Price per unit
- $54,950
- GRM
- 4.8
Each month
- Cash flow
- $298/mo
- Cash-on-cash
- 11.6%
- Cap rate
- 9.2%
- DSCR
- 1.54×
Break-even
- Price that breaks even
- $169,648
- Rent that breaks even
- $1,513/mo
Long run
- Year 30: property vs stocks
- $889K vs $234K
- Cash flow turns positive
- year 1
The deal
- Price
- $109,900
- Cash to close
- $30,772
- Price per unit
- $54,950
- GRM
- 4.8
Each month
- Cash flow
- $137/mo
- Cash-on-cash
- 5.4%
- Cap rate
- 7.5%
- DSCR
- 1.25×
Break-even
- Price that breaks even
- $137,434
- Rent that breaks even
- $1,700/mo
Long run
- Year 30: property vs stocks
- $639K vs $234K
- Cash flow turns positive
- year 1
The deal
- Price
- $99,900
- Cash to close
- $27,972
- Price per unit
- $49,950
- GRM
- 4.4
Each month
- Cash flow
- $348/mo
- Cash-on-cash
- 14.9%
- Cap rate
- 10.2%
- DSCR
- 1.70×
Break-even
- Price that breaks even
- $169,648
- Rent that breaks even
- $1,448/mo
Long run
- Year 30: property vs stocks
- $923K vs $213K
- Cash flow turns positive
- year 1
The deal
- Price
- $99,900
- Cash to close
- $27,972
- Price per unit
- $49,950
- GRM
- 4.4
Each month
- Cash flow
- $187/mo
- Cash-on-cash
- 8.0%
- Cap rate
- 8.2%
- DSCR
- 1.38×
Break-even
- Price that breaks even
- $137,434
- Rent that breaks even
- $1,627/mo
Long run
- Year 30: property vs stocks
- $673K vs $213K
- Cash flow turns positive
- year 1
Monthly
Monthly breakdown
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Net operating income | $847 |
| Mortgage (principal + interest) | −$658 |
| PMI | −$62 |
| Cash flow | $127 |
| Principal paid down (equity, not cash) | $84 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Property management | −$161 |
| Net operating income | $686 |
| Mortgage (principal + interest) | −$658 |
| PMI | −$62 |
| Cash flow | −$34 |
| Principal paid down (equity, not cash) | $84 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Net operating income | $847 |
| Mortgage (principal + interest) | −$598 |
| PMI | −$56 |
| Cash flow | $192 |
| Principal paid down (equity, not cash) | $76 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Property management | −$161 |
| Net operating income | $686 |
| Mortgage (principal + interest) | −$598 |
| PMI | −$56 |
| Cash flow | $31 |
| Principal paid down (equity, not cash) | $76 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Net operating income | $847 |
| Mortgage (principal + interest) | −$585 |
| Cash flow | $262 |
| Principal paid down (equity, not cash) | $74 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Property management | −$161 |
| Net operating income | $686 |
| Mortgage (principal + interest) | −$585 |
| Cash flow | $101 |
| Principal paid down (equity, not cash) | $74 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Net operating income | $847 |
| Mortgage (principal + interest) | −$532 |
| Cash flow | $315 |
| Principal paid down (equity, not cash) | $68 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Property management | −$161 |
| Net operating income | $686 |
| Mortgage (principal + interest) | −$532 |
| Cash flow | $154 |
| Principal paid down (equity, not cash) | $68 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Net operating income | $847 |
| Mortgage (principal + interest) | −$548 |
| Cash flow | $298 |
| Principal paid down (equity, not cash) | $70 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Property management | −$161 |
| Net operating income | $686 |
| Mortgage (principal + interest) | −$548 |
| Cash flow | $137 |
| Principal paid down (equity, not cash) | $70 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Net operating income | $847 |
| Mortgage (principal + interest) | −$498 |
| Cash flow | $348 |
| Principal paid down (equity, not cash) | $63 |
| Rent | $1,900 |
| Vacancy (6%) | −$114 |
| Collected | $1,786 |
| Property tax Estimate | −$192 |
| Insurance Estimate | −$194 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$152 |
| Capital reserve (9% of rent) | −$171 |
| Property management | −$161 |
| Net operating income | $686 |
| Mortgage (principal + interest) | −$498 |
| Cash flow | $187 |
| Principal paid down (equity, not cash) | $63 |
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
- $250,751
- Rental profits, invested at 7%
- $494,912
Sells for $266,756 (value up 3% a year), minus 6% selling cost ($16,005). Rent paid down $98,910 of loan.
$213,465 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $108,756
$14,287 put into an index fund instead of the down payment and closing costs.
The building comes out $636,907 ahead after 30 years.
- Your equity when you sell
- $250,751
- Rental profits, invested at 7%
- $249,119
Sells for $266,756 (value up 3% a year), minus 6% selling cost ($16,005). Rent paid down $98,910 of loan.
$122,307 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $108,756
- Monthly shortfalls, invested
- $4,238
$14,287 put into an index fund instead of the down payment and closing costs.
$609 you'd have paid in while the building lost money, invested instead.
The building comes out $386,876 ahead after 30 years.
- Your equity when you sell
- $227,935
- Rental profits, invested at 7%
- $564,525
Sells for $242,484 (value up 3% a year), minus 6% selling cost ($14,549). Rent paid down $89,910 of loan.
$235,291 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $98,860
$12,987 put into an index fund instead of the down payment and closing costs.
The building comes out $693,600 ahead after 30 years.
- Your equity when you sell
- $227,935
- Rental profits, invested at 7%
- $314,494
Sells for $242,484 (value up 3% a year), minus 6% selling cost ($14,549). Rent paid down $89,910 of loan.
$143,524 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $98,860
$12,987 put into an index fund instead of the down payment and closing costs.
The building comes out $443,569 ahead after 30 years.
- Your equity when you sell
- $250,751
- Rental profits, invested at 7%
- $596,920
Sells for $266,756 (value up 3% a year), minus 6% selling cost ($16,005). Rent paid down $87,920 of loan.
$242,754 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $192,415
$25,277 put into an index fund instead of the down payment and closing costs.
The building comes out $655,255 ahead after 30 years.
- Your equity when you sell
- $250,751
- Rental profits, invested at 7%
- $346,889
Sells for $266,756 (value up 3% a year), minus 6% selling cost ($16,005). Rent paid down $87,920 of loan.
$150,987 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $192,415
$25,277 put into an index fund instead of the down payment and closing costs.
The building comes out $405,225 ahead after 30 years.
- Your equity when you sell
- $227,935
- Rental profits, invested at 7%
- $657,251
Sells for $242,484 (value up 3% a year), minus 6% selling cost ($14,549). Rent paid down $79,920 of loan.
$261,915 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $174,907
$22,977 put into an index fund instead of the down payment and closing costs.
The building comes out $710,278 ahead after 30 years.
- Your equity when you sell
- $227,935
- Rental profits, invested at 7%
- $407,220
Sells for $242,484 (value up 3% a year), minus 6% selling cost ($14,549). Rent paid down $79,920 of loan.
$170,148 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $174,907
$22,977 put into an index fund instead of the down payment and closing costs.
The building comes out $460,248 ahead after 30 years.
- Your equity when you sell
- $250,751
- Rental profits, invested at 7%
- $638,360
Sells for $266,756 (value up 3% a year), minus 6% selling cost ($16,005). Rent paid down $82,425 of loan.
$255,916 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $234,244
$30,772 put into an index fund instead of the down payment and closing costs.
The building comes out $654,866 ahead after 30 years.
- Your equity when you sell
- $250,751
- Rental profits, invested at 7%
- $388,329
Sells for $266,756 (value up 3% a year), minus 6% selling cost ($16,005). Rent paid down $82,425 of loan.
$164,148 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $234,244
$30,772 put into an index fund instead of the down payment and closing costs.
The building comes out $404,836 ahead after 30 years.
- Your equity when you sell
- $227,935
- Rental profits, invested at 7%
- $694,920
Sells for $242,484 (value up 3% a year), minus 6% selling cost ($14,549). Rent paid down $74,925 of loan.
$273,879 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $212,930
$27,972 put into an index fund instead of the down payment and closing costs.
The building comes out $709,925 ahead after 30 years.
- Your equity when you sell
- $227,935
- Rental profits, invested at 7%
- $444,889
Sells for $242,484 (value up 3% a year), minus 6% selling cost ($14,549). Rent paid down $74,925 of loan.
$182,111 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $212,930
$27,972 put into an index fund instead of the down payment and closing costs.
The building comes out $459,894 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 $746K, stocks $109K. The property wins.
Year 30 (loan paid off): property $500K, stocks $113K. The property wins.
Year 30 (loan paid off): property $792K, stocks $99K. The property wins.
Year 30 (loan paid off): property $542K, stocks $99K. The property wins.
Year 30 (loan paid off): property $848K, stocks $192K. The property wins.
Year 30 (loan paid off): property $598K, stocks $192K. The property wins.
Year 30 (loan paid off): property $885K, stocks $175K. The property wins.
Year 30 (loan paid off): property $635K, stocks $175K. The property wins.
Year 30 (loan paid off): property $889K, stocks $234K. The property wins.
Year 30 (loan paid off): property $639K, stocks $234K. The property wins.
Year 30 (loan paid off): property $923K, stocks $213K. The property wins.
Year 30 (loan paid off): property $673K, stocks $213K. The property wins.
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 $950/mo · range $800–$1,125
| Address | Rent | Bd / Ba | Distance | Match |
|---|---|---|---|---|
| 119 1st St N, Virginia 55792 off market | $1,230 | 1 / 1 | 0.2 mi | 94% |
| 104 5th St S, Virginia 55792 off market | $940 | 1 / 1 | 0.6 mi | 93% |
| 408 5th St S, Unit 2, Virginia 55792 off market | $900 | 1 / 1 | 0.6 mi | 93% |
| 724 11th St N, Virginia 55792 off market | $750 | 1 / 1 | 0.7 mi | 93% |
| 517 14th St N, Unit 3, Virginia 55792 off market | $875 | 1 / 1 | 0.7 mi | 93% |
| 604 7th St S, Unit 2, Virginia 55792 | $850 | 1 / 1 | 0.8 mi | 93% |
| 606 7th St S, Unit 2, Virginia 55792 | $880 | 1 / 1 | 0.8 mi | 93% |
| 815 13th St N, Virginia 55792 off market | $1,350 | 1 / 1 | 0.8 mi | 93% |
| 8379 Jasmine St, Unit 3, Virginia 55792 off market | $925 | 1 / 1 | 1.9 mi | 91% |
| 8379 Jasmine St, Unit 1, Virginia 55792 off market | $925 | 1 / 1 | 1.9 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
- mediumCouldn't match this address to a county parcel record, so taxes and unit count are unverified. Public record: County parcels: no match for 205 4TH ST N
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 Estimateestimate. No tax record found; 2.1% of price. | $2,308 |
| Insurance / yr Estimateestimate. from units, square feet and age; get a quote | $2,330 |
| 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% / 9% |
Price history Realtor.com
On the market since 2026-07-17 (80 days); down $15,000 (12.0%) from the first ask of $124,900; last sold for $49,900 on 2018-04-04.
| Date | Event | Price |
|---|---|---|
| Price changed | $109,900 | |
| Price changed | $114,900 | |
| Price changed | $119,900 | |
| Listed | $124,900 | |
| Sold | $49,900 | |
| Sold | $49,900 | |
| Listed | $49,900 |
From the listing Listing
| Listed as | duplex up and down |
| Property tax, 2026 | $224 |
| County | St. Louis |
| Parcel number | 090002000950 |
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 Virginia on rental licensing before you buy.