6266 Giants Ridge Rd

1 units · 1 units: 2 bed / 2 bath · 1,152 sq ft

Cash flows

30 photos

Photos courtesy of z'UP North Realty, via Realtor.com.

Asking price: $10,000
Monthly cash flow: $476
Estimated rent: $1,000/mo
Break-even price: $99,500

Adjust the numbers See the full breakdown

From the listing

RARE opportunity to own a week at Giants Ridge the Villas! This Two bedroom Suite Unit offers you a few options - use it as a 2 BR 2 BA unit - or use them separately as a 1 BR 1 BA unit EACH. Rent them out together, separately, use one side rent one side, you name it! AFFORDABLE way to own a portion of Giants Ridge! Both bathroom feature whirlpool tubs, decks (one facing the pool, one facing the lake) and a washer and dryer in the unit. Smaller unit has a kitchenette while larger unit has a kitchen with a breakfast bar and dining area. Entire Suite includes a fully equipped kitchen, dining area, living room with fireplace and queen sofa sleeper or futon, two bedrooms each with one queen bed. Full use of the beach, pool, tennis courts, kayaks, etc. And let's not forget the golf and ski options that are there! The week that is available is the 31st week Friday - Friday, typically the first full week in August a PRIME TIME.

Listing courtesy of z'UP North Realty (Andrea Zupancich REALTOR GRI, CRS, SRS, RENE, CRBM, C2EX). Description from Realtor.com, MLS #6128205. Believed reliable but not guaranteed; confirm with the listing agent. View on Realtor.com ↗

First look

This is not a 2-4 unit building. It's a one-week timeshare interval (week 31, Friday to Friday) in a resort suite at Giants Ridge, priced at $10,000. Our underwriting shows $476/mo cash flow and a 63% cap rate, but that math assumes year-round rent on the whole unit, and you'd only own one week. Ignore those numbers. A week of ownership can't be rented for the other 51 weeks, and the buyer will likely owe annual dues, assessments and taxes that the listing doesn't state. Before a showing, ask for the deed type, the dues, the rental rules and what a week actually earns. Treat it as a vacation-use purchase, not an income property.

Things to consider

You're buying one week, not a unit Income and use are limited to a single week a year, so the building-level underwriting doesn't reflect what you'd own.Listing says: “RARE opportunity to own a week at Giants Ridge the Villas!”
Recurring dues and fees are unknown Annual dues, assessments and taxes can exceed what one week earns. Get them in writing before anything else.
Our cash flow and cap rate are not meaningful here The 63% cap rate comes from treating $10K as the price of a full 2 bed / 2 bath rental. Don't use it to decide.
The week is fixed and peak-season The first full week of August should rent well, but it's only one week and demand elsewhere in the year isn't yours to capture.Listing says: “typically the first full week in August a PRIME TIME”
Split-suite flexibility depends on rules Renting each side separately only helps if the resort and ownership terms allow it and each side has its own lock and key.Listing says: “use them separately as a 1 BR 1 BA unit EACH”

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: $10,000
Cash to close: $2,300
Price per unit: $10,000
GRM: 0.8

Each month

Cash flow: $476/mo
Cash-on-cash: 248.5%
Cap rate: 63.5%
DSCR: 9.95×

Break-even

Price that breaks even: $99,500
Rent that breaks even: $389/mo

Long run

Year 30: property vs stocks: $763K vs $18K
Cash flow turns positive: year 1

Monthly

Monthly breakdown

Rent	$1,000
Vacancy (6%)	−$60
Collected	$940
Property tax Listing	−$6
Insurance Estimate	−$99
Water, sewer, trash Estimate	−$85
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (8% of rent)	−$80
Capital reserve (8% of rent)	−$80
Net operating income	$530
Mortgage (principal + interest)	−$53
Cash flow	$476
Principal paid down (equity, not cash)	$7

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

If you buy this building$763,190

Your equity when you sell: $22,817
Rental profits, invested at 7%: $740,374

Same money in stocks$17,508

Cash to close, invested at 7%: $17,508

The building comes out $745,682 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

This propertyStocks at 7%

Year 30 (loan paid off): property $763K, stocks $18K. 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.

2 bed / 2 bath estimate $1,000/mo · range $900–$1,100

Address	Rent	Bd / Ba	Sq ft	Distance	Listed	Match
410 W 3rd Ave N, Aurora 55705	$970	2 / 1	840	3.8 mi	2026-10-05	83%
218 2nd St N, Apt 2, Virginia 55792 off market	$1,145	2 / 1	—	11.4 mi	2025-12-14	72%
206 S 4th Ave E, Unit 104, Virginia 55792	$995	2 / 1	—	11.6 mi	2026-10-05	72%
227 6th St S, Unit 2, Virginia 55792 off market	$695	2 / 1	—	11.6 mi	2025-01-17	72%
206 S 4th Ave W, Unit 305, Virginia 55792 off market	$995	2 / 1	—	11.6 mi	2026-08-17	72%
206 S 4th Ave W, Unit 112, Virginia 55792 off market	$995	2 / 1	—	11.6 mi	2026-09-02	72%
206 S 4th Ave W, Unit 308, Virginia 55792 off market	$995	2 / 1	—	11.6 mi	2026-07-24	72%
206 S 4th Ave E, Unit 108, Virginia 55792 off market	$995	2 / 1	—	11.6 mi	2026-07-01	72%
206 S 4th Ave W, Unit 203, Virginia 55792 off market	$995	2 / 1	—	11.6 mi	2026-05-04	72%
206 S 4th Ave, Apt 212, Virginia 55792 off market	$950	2 / 1	—	11.6 mi	2024-11-14	72%

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 under $100K: usually means major repairs, a fire or condemned building, a contract-for-deed or partial-interest sale, or a listing error. Find out why before anything else. Based on: Listing data: asking $10,000
highFractional ownership: only one week of the year is included, so year-round rent isn't available. Listing says: RARE opportunity to own a week at Giants Ridge the Villas! · AI review
highOur rent estimate and cash flow assume full-year rental of a 2 bed / 2 bath. That doesn't match a one-week interval. Based on: data: underwriting.cash_flow_monthly · AI review
highNo dues, assessments, tax or reserve figures are given for the interval. Recurring costs could eat any rental income. Based on: data: county.special_assessments · 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 6266 GIANTS RIDGE RD
mediumThe week is fixed to a single calendar slot, so rental demand is limited to that week and any other use is restricted. Listing says: The week that is available is the 31st week Friday - Friday · AI review

Opportunities

Resort amenities and a prime-season week may support nightly rental of the suite or each half separately, if the resort and the ownership documents allow it. Listing says: Rent them out together, separately, use one side rent one side, you name it! · AI review
Low entry price for a stake in a resort with golf, ski, beach and pool access. Listing says: AFFORDABLE way to own a portion of Giants Ridge! · AI review

Questions for the agent

Is this a deeded fractional interest, a timeshare or a right-to-use? What exactly do I record at closing?
What are the annual HOA or resort dues, special assessments and property taxes for this week?
Who handles rentals, what's the split or fee, and what did this week gross in each of the last three years?
Are there restrictions on rental, resale or transfer, and can I exit later? What do similar weeks resell for?
Why is the week priced at $10,000, and what has the seller paid in dues?
Is the 2 BR suite one legal unit or two separately keyed units, and is any other week available?

Bottom line

This is a one-week resort interval, not a rental building, so the cash-flow numbers don't apply and the recurring dues are the real question. 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.	$77
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$1,188
Water, sewer, trash / mo Estimateestimate. $85/unit/mo, owner-paid	$85
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. base rate	8% / 8%

Price history Realtor.com

Listed for rent at $10,000/mo on 2026-09-29.

Date	Event	Price
2026-09-29	Listed for rent	$10,000/mo
2026-09-28	Listed for rent	$10,000/mo

From the listing Listing

Listed as	single
Property tax, 2026	$77
County	St. Louis County
Parcel number	015001700030

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 Biwabik on rental licensing before you buy.