Photos courtesy of Edina Realty, Inc., via Realtor.com.
- Asking price
- $265,000 2 units · $132K per unit
- Monthly cash flow
- −$265 at 20% down, 7%
- Estimated rent
- $2,400/mo high confidence
- Break-even price
- $215,259 where cash flow hits $0
First look
Winona duplex, 3-bed main unit over two floors plus a 1-bed upper, asking $265K. At 20% down our model shows about -$265/month and a 5.2% cap rate, with break-even near $215.3K, so it doesn't work at the ask without a price cut or rents above our mid estimates. The description brags about 'rental history' but gives no rents, lease terms or expenses, which is the first thing to request. Photos show a tidy, mostly cosmetic-condition house with electric baseboard heat and wall-mounted mini-split units, so ask what tenants pay for electricity. The seller is a licensed agent, and the county parcel didn't match, so verify taxes, unit count and rental license before spending time on a showing.
Things to consider
- Numbers don't work at the ask Our model shows negative monthly cash flow and a cap rate near 5.2%. You would need a price near $215K or higher rents to break even.
- Income is unproven The listing cites rental history but states no rents. Our estimates are about $1,450 for the 3-bed and $950 for the 1-bed, so verify actual leases before relying on them.
- Electric heat and who pays it Baseboard heat and mini-splits mean electric bills can be large. If the owner pays any of them, cash flow worsens.From photo 3
- Basement living space must be legal The 3-bed count relies on a finished basement. Without egress and permits, the unit may rent as a smaller one.Listing says: “3 bedrooms and 2 bathrooms across the first floor and finished basement”
- Taxes and unit count are unverified We couldn't match a county parcel, so the tax bill, which drives expenses, is an estimate.
From the photos
Based on 10 of the listing photos. Photos can hide as much as they show; an inspection is the real answer.
Condition and repairs
- doneVinyl siding replaced about two years agoListing says: vinyl siding just two years ago
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
- $265,000
- Cash to close
- $34,450
- Price per unit
- $132,500
- GRM
- 9.2
Each month
- Cash flow
- −$590/mo
- Cash-on-cash
- −20.6%
- Cap rate
- 5.2%
- DSCR
- 0.66×
Break-even
- Price that breaks even
- $174,910
- Rent that breaks even
- $3,166/mo
Long run
- Year 30: property vs stocks
- $730K vs $515K
- Cash flow turns positive
- year 14
The deal
- Price
- $265,000
- Cash to close
- $34,450
- Price per unit
- $132,500
- GRM
- 9.2
Each month
- Cash flow
- −$793/mo
- Cash-on-cash
- −27.6%
- Cap rate
- 4.3%
- DSCR
- 0.54×
Break-even
- Price that breaks even
- $143,912
- Rent that breaks even
- $3,557/mo
Long run
- Year 30: property vs stocks
- $631K vs $731K
- Cash flow turns positive
- year 22
The deal
- Price
- $255,000
- Cash to close
- $33,150
- Price per unit
- $127,500
- GRM
- 8.9
Each month
- Cash flow
- −$525/mo
- Cash-on-cash
- −19.0%
- Cap rate
- 5.4%
- DSCR
- 0.69×
Break-even
- Price that breaks even
- $174,910
- Rent that breaks even
- $3,081/mo
Long run
- Year 30: property vs stocks
- $731K vs $459K
- Cash flow turns positive
- year 12
The deal
- Price
- $255,000
- Cash to close
- $33,150
- Price per unit
- $127,500
- GRM
- 8.9
Each month
- Cash flow
- −$728/mo
- Cash-on-cash
- −26.3%
- Cap rate
- 4.4%
- DSCR
- 0.56×
Break-even
- Price that breaks even
- $143,912
- Rent that breaks even
- $3,462/mo
Long run
- Year 30: property vs stocks
- $618K vs $662K
- Cash flow turns positive
- year 20
The deal
- Price
- $265,000
- Cash to close
- $60,950
- Price per unit
- $132,500
- GRM
- 9.2
Each month
- Cash flow
- −$265/mo
- Cash-on-cash
- −5.2%
- Cap rate
- 5.2%
- DSCR
- 0.81×
Break-even
- Price that breaks even
- $215,259
- Rent that breaks even
- $2,744/mo
Long run
- Year 30: property vs stocks
- $812K vs $553K
- Cash flow turns positive
- year 9
The deal
- Price
- $265,000
- Cash to close
- $60,950
- Price per unit
- $132,500
- GRM
- 9.2
Each month
- Cash flow
- −$468/mo
- Cash-on-cash
- −9.2%
- Cap rate
- 4.3%
- DSCR
- 0.67×
Break-even
- Price that breaks even
- $177,111
- Rent that breaks even
- $3,082/mo
Long run
- Year 30: property vs stocks
- $666K vs $723K
- Cash flow turns positive
- year 17
The deal
- Price
- $255,000
- Cash to close
- $58,650
- Price per unit
- $127,500
- GRM
- 8.9
Each month
- Cash flow
- −$212/mo
- Cash-on-cash
- −4.3%
- Cap rate
- 5.4%
- DSCR
- 0.84×
Break-even
- Price that breaks even
- $215,259
- Rent that breaks even
- $2,675/mo
Long run
- Year 30: property vs stocks
- $822K vs $507K
- Cash flow turns positive
- year 8
The deal
- Price
- $255,000
- Cash to close
- $58,650
- Price per unit
- $127,500
- GRM
- 8.9
Each month
- Cash flow
- −$415/mo
- Cash-on-cash
- −8.5%
- Cap rate
- 4.4%
- DSCR
- 0.69×
Break-even
- Price that breaks even
- $177,111
- Rent that breaks even
- $3,005/mo
Long run
- Year 30: property vs stocks
- $659K vs $660K
- Cash flow turns positive
- year 16
The deal
- Price
- $265,000
- Cash to close
- $74,200
- Price per unit
- $132,500
- GRM
- 9.2
Each month
- Cash flow
- −$177/mo
- Cash-on-cash
- −2.9%
- Cap rate
- 5.2%
- DSCR
- 0.87×
Break-even
- Price that breaks even
- $229,609
- Rent that breaks even
- $2,629/mo
Long run
- Year 30: property vs stocks
- $868K vs $610K
- Cash flow turns positive
- year 7
The deal
- Price
- $265,000
- Cash to close
- $74,200
- Price per unit
- $132,500
- GRM
- 9.2
Each month
- Cash flow
- −$380/mo
- Cash-on-cash
- −6.1%
- Cap rate
- 4.3%
- DSCR
- 0.71×
Break-even
- Price that breaks even
- $188,918
- Rent that breaks even
- $2,954/mo
Long run
- Year 30: property vs stocks
- $693K vs $751K
- Cash flow turns positive
- year 15
The deal
- Price
- $255,000
- Cash to close
- $71,400
- Price per unit
- $127,500
- GRM
- 8.9
Each month
- Cash flow
- −$127/mo
- Cash-on-cash
- −2.1%
- Cap rate
- 5.4%
- DSCR
- 0.90×
Break-even
- Price that breaks even
- $229,609
- Rent that breaks even
- $2,565/mo
Long run
- Year 30: property vs stocks
- $882K vs $569K
- Cash flow turns positive
- year 5
The deal
- Price
- $255,000
- Cash to close
- $71,400
- Price per unit
- $127,500
- GRM
- 8.9
Each month
- Cash flow
- −$330/mo
- Cash-on-cash
- −5.5%
- Cap rate
- 4.4%
- DSCR
- 0.74×
Break-even
- Price that breaks even
- $188,918
- Rent that breaks even
- $2,881/mo
Long run
- Year 30: property vs stocks
- $689K vs $691K
- Cash flow turns positive
- year 13
Monthly
Monthly breakdown
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Net operating income | $1,146 |
| Mortgage (principal + interest) | −$1,587 |
| PMI | −$149 |
| Cash flow | −$590 |
| Principal paid down (equity, not cash) | $202 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Property management | −$203 |
| Net operating income | $943 |
| Mortgage (principal + interest) | −$1,587 |
| PMI | −$149 |
| Cash flow | −$793 |
| Principal paid down (equity, not cash) | $202 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Net operating income | $1,146 |
| Mortgage (principal + interest) | −$1,527 |
| PMI | −$143 |
| Cash flow | −$525 |
| Principal paid down (equity, not cash) | $194 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Property management | −$203 |
| Net operating income | $943 |
| Mortgage (principal + interest) | −$1,527 |
| PMI | −$143 |
| Cash flow | −$728 |
| Principal paid down (equity, not cash) | $194 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Net operating income | $1,146 |
| Mortgage (principal + interest) | −$1,410 |
| Cash flow | −$265 |
| Principal paid down (equity, not cash) | $179 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Property management | −$203 |
| Net operating income | $943 |
| Mortgage (principal + interest) | −$1,410 |
| Cash flow | −$468 |
| Principal paid down (equity, not cash) | $179 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Net operating income | $1,146 |
| Mortgage (principal + interest) | −$1,357 |
| Cash flow | −$212 |
| Principal paid down (equity, not cash) | $173 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Property management | −$203 |
| Net operating income | $943 |
| Mortgage (principal + interest) | −$1,357 |
| Cash flow | −$415 |
| Principal paid down (equity, not cash) | $173 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Net operating income | $1,146 |
| Mortgage (principal + interest) | −$1,322 |
| Cash flow | −$177 |
| Principal paid down (equity, not cash) | $168 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Property management | −$203 |
| Net operating income | $943 |
| Mortgage (principal + interest) | −$1,322 |
| Cash flow | −$380 |
| Principal paid down (equity, not cash) | $168 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Net operating income | $1,146 |
| Mortgage (principal + interest) | −$1,272 |
| Cash flow | −$127 |
| Principal paid down (equity, not cash) | $162 |
| Rent | $2,400 |
| Vacancy (6%) | −$144 |
| Collected | $2,256 |
| Property tax Listing | −$259 |
| Insurance Estimate | −$213 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$192 |
| Capital reserve (9% of rent) | −$216 |
| Property management | −$203 |
| Net operating income | $943 |
| Mortgage (principal + interest) | −$1,272 |
| Cash flow | −$330 |
| Principal paid down (equity, not cash) | $162 |
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
- $604,632
- Rental profits, invested at 7%
- $125,151
Sells for $643,225 (value up 3% a year), minus 6% selling cost ($38,593). Rent paid down $238,500 of loan.
$85,734 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $262,242
- Monthly shortfalls, invested
- $252,440
$34,450 put into an index fund instead of the down payment and closing costs.
$44,142 you'd have paid in while the building lost money, invested instead.
The building comes out $215,100 ahead after 30 years.
- Your equity when you sell
- $604,632
- Rental profits, invested at 7%
- $26,043
Sells for $643,225 (value up 3% a year), minus 6% selling cost ($38,593). Rent paid down $238,500 of loan.
$21,730 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $262,242
- Monthly shortfalls, invested
- $469,161
$34,450 put into an index fund instead of the down payment and closing costs.
$96,055 you'd have paid in while the building lost money, invested instead.
Stocks come out $100,729 ahead after 30 years.
- Your equity when you sell
- $581,815
- Rental profits, invested at 7%
- $149,319
Sells for $618,952 (value up 3% a year), minus 6% selling cost ($37,137). Rent paid down $229,500 of loan.
$98,580 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $252,346
- Monthly shortfalls, invested
- $206,995
$33,150 put into an index fund instead of the down payment and closing costs.
$35,162 you'd have paid in while the building lost money, invested instead.
The building comes out $271,792 ahead after 30 years.
- Your equity when you sell
- $581,815
- Rental profits, invested at 7%
- $35,854
Sells for $618,952 (value up 3% a year), minus 6% selling cost ($37,137). Rent paid down $229,500 of loan.
$28,846 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $252,346
- Monthly shortfalls, invested
- $409,359
$33,150 put into an index fund instead of the down payment and closing costs.
$81,345 you'd have paid in while the building lost money, invested instead.
Stocks come out $44,036 ahead after 30 years.
- Your equity when you sell
- $604,632
- Rental profits, invested at 7%
- $207,431
Sells for $643,225 (value up 3% a year), minus 6% selling cost ($38,593). Rent paid down $212,000 of loan.
$126,707 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $463,967
- Monthly shortfalls, invested
- $88,752
$60,950 put into an index fund instead of the down payment and closing costs.
$14,490 you'd have paid in while the building lost money, invested instead.
The building comes out $259,343 ahead after 30 years.
- Your equity when you sell
- $604,632
- Rental profits, invested at 7%
- $61,694
Sells for $643,225 (value up 3% a year), minus 6% selling cost ($38,593). Rent paid down $212,000 of loan.
$45,954 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $463,967
- Monthly shortfalls, invested
- $258,843
$60,950 put into an index fund instead of the down payment and closing costs.
$49,654 you'd have paid in while the building lost money, invested instead.
Stocks come out $56,485 ahead after 30 years.
- Your equity when you sell
- $581,815
- Rental profits, invested at 7%
- $239,904
Sells for $618,952 (value up 3% a year), minus 6% selling cost ($37,137). Rent paid down $204,000 of loan.
$141,023 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $446,459
- Monthly shortfalls, invested
- $60,893
$58,650 put into an index fund instead of the down payment and closing costs.
$9,645 you'd have paid in while the building lost money, invested instead.
The building comes out $314,367 ahead after 30 years.
- Your equity when you sell
- $581,815
- Rental profits, invested at 7%
- $76,993
Sells for $618,952 (value up 3% a year), minus 6% selling cost ($37,137). Rent paid down $204,000 of loan.
$55,243 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $446,459
- Monthly shortfalls, invested
- $213,811
$58,650 put into an index fund instead of the down payment and closing costs.
$39,782 you'd have paid in while the building lost money, invested instead.
Stocks come out $1,462 ahead after 30 years.
- Your equity when you sell
- $604,632
- Rental profits, invested at 7%
- $263,496
Sells for $643,225 (value up 3% a year), minus 6% selling cost ($38,593). Rent paid down $198,750 of loan.
$150,915 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $564,829
- Monthly shortfalls, invested
- $44,893
$74,200 put into an index fund instead of the down payment and closing costs.
$6,964 you'd have paid in while the building lost money, invested instead.
The building comes out $258,404 ahead after 30 years.
- Your equity when you sell
- $604,632
- Rental profits, invested at 7%
- $88,488
Sells for $643,225 (value up 3% a year), minus 6% selling cost ($38,593). Rent paid down $198,750 of loan.
$61,879 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $564,829
- Monthly shortfalls, invested
- $185,713
$74,200 put into an index fund instead of the down payment and closing costs.
$33,844 you'd have paid in while the building lost money, invested instead.
Stocks come out $57,423 ahead after 30 years.
- Your equity when you sell
- $581,815
- Rental profits, invested at 7%
- $300,619
Sells for $618,952 (value up 3% a year), minus 6% selling cost ($37,137). Rent paid down $191,250 of loan.
$165,736 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $543,515
- Monthly shortfalls, invested
- $25,455
$71,400 put into an index fund instead of the down payment and closing costs.
$3,821 you'd have paid in while the building lost money, invested instead.
The building comes out $313,464 ahead after 30 years.
- Your equity when you sell
- $581,815
- Rental profits, invested at 7%
- $107,221
Sells for $618,952 (value up 3% a year), minus 6% selling cost ($37,137). Rent paid down $191,250 of loan.
$72,139 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $543,515
- Monthly shortfalls, invested
- $147,886
$71,400 put into an index fund instead of the down payment and closing costs.
$26,140 you'd have paid in while the building lost money, invested instead.
Stocks come out $2,365 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 $730K, stocks $515K. The property wins.
Year 30 (loan paid off): property $631K, stocks $731K. Stocks win.
Year 30 (loan paid off): property $731K, stocks $459K. The property wins.
Year 30 (loan paid off): property $618K, stocks $662K. Stocks win.
Year 30 (loan paid off): property $812K, stocks $553K. The property wins.
Year 30 (loan paid off): property $666K, stocks $723K. Stocks win.
Year 30 (loan paid off): property $822K, stocks $507K. The property wins.
Year 30 (loan paid off): property $659K, stocks $660K. Stocks win.
Year 30 (loan paid off): property $868K, stocks $610K. The property wins.
Year 30 (loan paid off): property $693K, stocks $751K. Stocks win.
Year 30 (loan paid off): property $882K, stocks $569K. The property wins.
Year 30 (loan paid off): property $689K, stocks $691K. 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.
3 bed / 1 bath estimate $1,450/mo · range $1,225–$1,675
| Address | Rent | Bd / Ba | Distance | Match |
|---|---|---|---|---|
| 1290 E Burns Valley Rd, Apt 3, Winona 55987 off market | $1,000 | 3 / 1 | 1.5 mi | 92% |
| 258 Lee St, Winona 55987 off market | $1,115 | 3 / 1 | 2.3 mi | 90% |
| 266 E Sanborn St, Unit 2, Winona 55987 off market | $1,320 | 3 / 1 | 0.2 mi | 89% |
| 450 E 7th St, Unit 5, Winona 55987 off market | $1,400 | 3 / 1 | 0.1 mi | 87% |
| 560 Main St, Apt 2, Winona 55987 off market | $1,600 | 4 / 1 | 0.6 mi | 83% |
| 560 Main St, Apt 3, Winona 55987 off market | $1,600 | 4 / 1 | 0.6 mi | 83% |
| 560 Main St, Apt 4, Winona 55987 off market | $1,600 | 4 / 1 | 0.6 mi | 83% |
| 1402 W 6th St, Unit D, Winona 55987 off market | $950 | 2 / 1 | 2.4 mi | 81% |
| 460 E Broadway St, Apt 2, Winona 55987 off market | $1,200 | 3 / 1 | 0.2 mi | 79% |
| 460 E 6th, Unit 2, Winona 55987 off market | $1,200 | 3 / 1 | 0.5 mi | 79% |
1 bed / 1 bath estimate $950/mo · range $875–$1,025
| Address | Rent | Bd / Ba | Distance | Match |
|---|---|---|---|---|
| 920 W 5th St, Winona 55987 | $895 | 1 / 1 | 1.7 mi | 91% |
| 1719 W 5th St, Apt 104, Winona 55987 off market | $850 | 1 / 1 | 2.9 mi | 83% |
| 1719 W 5th St, Apt 304, Winona 55987 off market | $850 | 1 / 1 | 2.9 mi | 83% |
| 228 E 8th St, Unit T, Winona 55987 off market | $770 | 1 / 1 | 0.3 mi | 83% |
| 16 S Hill St, Fountain City, WI 54629 off market | $900 | 1 / 1 | 7.4 mi | 83% |
| 429 E Broadway St, Apt 6, Winona 55987 off market | $750 | 1 / 1 | 0.1 mi | 83% |
| 165 Huff St, Apt 4, Winona 55987 off market | $775 | 1 / 1 | 1.0 mi | 83% |
| 685 1/2 W 5th St, Winona 55987 off market | $660 | 0 / 1 | 1.4 mi | 82% |
| 5120 W 7th St, Apt 7, Goodview 55987 off market | $895 | 1 / 1 | 4.2 mi | 82% |
| 5225 W 6th St, Apt 2, Goodview 55987 off market | $750 | 1 / 1 | 4.2 mi | 81% |
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
- highPriced above our break-even; negative cash flow at the ask Based on: data: underwriting.break_even_price · 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 421 SANBORN ST E
- mediumListing touts 'strong rental history' but gives no rents, lease terms or income figures Listing says: strong rental history, modern exterior, and appealing outdoor space · AI review
- mediumBasement bedrooms and bath in the main unit need verified egress and permits to count as legal bedrooms Listing says: 3 bedrooms and 2 bathrooms across the first floor and finished basement · AI review
Opportunities
- Detached garage could be rented separately for extra income Listing says: A detached 1-car garage adds even more value, whether used for storage or rented out · AI review
- No rent cap in Winona, so rents can follow the market Based on: data: underwriting.rent_rule · AI review
- In-unit stacked washer/dryer is a selling point for tenants Based on: photo 9 · AI review
Questions for the agent
- What are the current rents, lease end dates and are any tenants month-to-month?
- Can you share trailing-12 expenses, taxes, insurance and utility bills for each unit?
- Who pays electric, given the baseboard heat and mini-splits, and is each unit separately metered?
- Is the basement bedroom and bath permitted with egress, and is the city rental license for two units current?
- How old are the roof, water heaters and electrical panels?
- Why is the seller selling, and are the tenants staying?
Bottom line
Clean-looking Winona duplex, but at $265K it runs negative on our numbers and the listing gives no rents, so it needs a lower price or proven income. 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. | $3,106 |
| Insurance / yr Estimateestimate. from units, square feet and age; get a quote | $2,562 |
| 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 2026-10-02 (3 days); last sold for $155,500 on 2014-05-22.
| Date | Event | Price |
|---|---|---|
| Listed | $265,000 | |
| Sold | $155,500 | |
| Listed | $167,900 | |
| Sold public record | $114,250 | |
| Sold public record | $66,900 | |
| Sold public record | $57,000 |
From the listing Listing
| Listed as | duplex up and down |
| Property tax, 2026 | $3,106 |
| County | Winona |
| Parcel number | 321100200 |
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 Winona on rental licensing before you buy.