Minneapolis › Whittier

19 W 25th St

Minneapolis, MN · Whittier · Find the listing ↗

Overpriced

Asking price: $479,900
Monthly cash flow: −$751
Estimated rent: $3,900/mo
Break-even price: $338,738

Adjust these numbers in the calculator See the full breakdown

The numbers

Default: 20% down (no PMI), offer at asking, self-managed, 7.00% for 30 years, buyer pays closing costs (3%).

Estimated rent per unit Estimate

4 bed / 1 bath (est.)$1,950 $1,650–$2,250
4 bed / 1 bath (est.)$1,950 $1,650–$2,250

Rough screening estimate from bedroom count only ($750 + $300 per bedroom, ±15%). Not comparable-rental data; a RentCast estimate replaces it for the top candidates. Confidence: low.

Rent rules: No rent cap.

Price: $479,900
Monthly cash flow: −$751
Cash to close: $110,377
Cap rate: 4.5%
Cash-on-cash: −8.2%
DSCR: 0.71×
GRM: 10.3
Price per unit: $239,950
Price that breaks even: $338,738
Rent that breaks even: $4,889/mo
Cash flow turns positive: year 15
Year 30: property vs stocks: $1.27M vs $1.21M

Monthly breakdown

Rent	$3,900
Vacancy (6%)	−$234
Collected	$3,666
Property tax Public record	−$675
Insurance Estimate	−$256
Water, sewer, trash Estimate	−$170
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (9% of rent)	−$351
Capital reserve (9% of rent)	−$351
Net operating income	$1,803
Mortgage (principal + interest)	−$2,554
Cash flow	−$751
Principal paid down (equity, not cash)	$325

Cash flow each year

Rents +3%/yr, costs +3.5%/yr. Red bars are months you'd cover out of pocket.

30 years: this property vs. the same money in stocks

This propertyStocks at 7%

Year 30 (loan paid off): property $1.27M, stocks $1.21M. The property wins.

How those totals add up

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,164,843
Minus 6% selling cost	−$69,891
Minus loan still owedTenants' rent paid down all $431,910 of principal by year 30	$0
Plus rental profits, invested at 7%$67,664 of profit by year 30, before investment growth	$86,201
What you'd walk away with	$1,181,153
If you put the same money in stocks
Cash to close ($62,387) invested at 7%	$474,906
Monthly shortfalls ($142,188 total by yr 30) investedThe money you'd have put into the building while it lost money	$729,441
What you'd walk away with	$1,204,347
Building minus stocks	−$23,194

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,164,843
Minus 6% selling cost	−$69,891
Minus loan still owedTenants' rent paid down all $431,910 of principal by year 30	$0
Plus rental profits, invested at 7%$4,007 of profit by year 30, before investment growth	$4,167
What you'd walk away with	$1,099,119
If you put the same money in stocks
Cash to close ($62,387) invested at 7%	$474,906
Monthly shortfalls ($266,896 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,160,628
What you'd walk away with	$1,635,534
Building minus stocks	−$536,415

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,140,571
Minus 6% selling cost	−$68,434
Minus loan still owedTenants' rent paid down all $422,910 of principal by year 30	$0
Plus rental profits, invested at 7%$76,306 of profit by year 30, before investment growth	$99,098
What you'd walk away with	$1,171,234
If you put the same money in stocks
Cash to close ($61,087) invested at 7%	$465,010
Monthly shortfalls ($129,004 total by yr 30) investedThe money you'd have put into the building while it lost money	$672,725
What you'd walk away with	$1,137,735
Building minus stocks	$33,499

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,140,571
Minus 6% selling cost	−$68,434
Minus loan still owedTenants' rent paid down all $422,910 of principal by year 30	$0
Plus rental profits, invested at 7%$6,487 of profit by year 30, before investment growth	$6,873
What you'd walk away with	$1,079,009
If you put the same money in stocks
Cash to close ($61,087) invested at 7%	$465,010
Monthly shortfalls ($247,549 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,093,721
What you'd walk away with	$1,558,731
Building minus stocks	−$479,722

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,164,843
Minus 6% selling cost	−$69,891
Minus loan still owedTenants' rent paid down all $383,920 of principal by year 30	$0
Plus rental profits, invested at 7%$121,054 of profit by year 30, before investment growth	$172,556
What you'd walk away with	$1,267,509
If you put the same money in stocks
Cash to close ($110,377) invested at 7%	$840,218
Monthly shortfalls ($67,680 total by yr 30) investedThe money you'd have put into the building while it lost money	$370,361
What you'd walk away with	$1,210,579
Building minus stocks	$56,930

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,164,843
Minus 6% selling cost	−$69,891
Minus loan still owedTenants' rent paid down all $383,920 of principal by year 30	$0
Plus rental profits, invested at 7%$24,540 of profit by year 30, before investment growth	$28,454
What you'd walk away with	$1,123,407
If you put the same money in stocks
Cash to close ($110,377) invested at 7%	$840,218
Monthly shortfalls ($159,531 total by yr 30) investedThe money you'd have put into the building while it lost money	$739,480
What you'd walk away with	$1,579,698
Building minus stocks	−$456,291

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,140,571
Minus 6% selling cost	−$68,434
Minus loan still owedTenants' rent paid down all $375,920 of principal by year 30	$0
Plus rental profits, invested at 7%$131,703 of profit by year 30, before investment growth	$191,637
What you'd walk away with	$1,263,774
If you put the same money in stocks
Cash to close ($108,077) invested at 7%	$822,710
Monthly shortfalls ($59,168 total by yr 30) investedThe money you'd have put into the building while it lost money	$329,111
What you'd walk away with	$1,151,821
Building minus stocks	$111,953

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,140,571
Minus 6% selling cost	−$68,434
Minus loan still owedTenants' rent paid down all $375,920 of principal by year 30	$0
Plus rental profits, invested at 7%$29,745 of profit by year 30, before investment growth	$35,171
What you'd walk away with	$1,107,307
If you put the same money in stocks
Cash to close ($108,077) invested at 7%	$822,710
Monthly shortfalls ($145,575 total by yr 30) investedThe money you'd have put into the building while it lost money	$685,865
What you'd walk away with	$1,508,575
Building minus stocks	−$401,268

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,164,843
Minus 6% selling cost	−$69,891
Minus loan still owedTenants' rent paid down all $359,925 of principal by year 30	$0
Plus rental profits, invested at 7%$154,491 of profit by year 30, before investment growth	$234,466
What you'd walk away with	$1,329,418
If you put the same money in stocks
Cash to close ($134,372) invested at 7%	$1,022,874
Monthly shortfalls ($43,648 total by yr 30) investedThe money you'd have put into the building while it lost money	$251,315
What you'd walk away with	$1,274,188
Building minus stocks	$55,230

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,164,843
Minus 6% selling cost	−$69,891
Minus loan still owedTenants' rent paid down all $359,925 of principal by year 30	$0
Plus rental profits, invested at 7%$41,868 of profit by year 30, before investment growth	$51,624
What you'd walk away with	$1,146,577
If you put the same money in stocks
Cash to close ($134,372) invested at 7%	$1,022,874
Monthly shortfalls ($119,389 total by yr 30) investedThe money you'd have put into the building while it lost money	$581,694
What you'd walk away with	$1,604,568
Building minus stocks	−$457,991

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,140,571
Minus 6% selling cost	−$68,434
Minus loan still owedTenants' rent paid down all $352,425 of principal by year 30	$0
Plus rental profits, invested at 7%$165,878 of profit by year 30, before investment growth	$256,883
What you'd walk away with	$1,329,020
If you put the same money in stocks
Cash to close ($131,572) invested at 7%	$1,001,560
Monthly shortfalls ($37,071 total by yr 30) investedThe money you'd have put into the building while it lost money	$217,172
What you'd walk away with	$1,218,731
Building minus stocks	$110,289

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,140,571
Minus 6% selling cost	−$68,434
Minus loan still owedTenants' rent paid down all $352,425 of principal by year 30	$0
Plus rental profits, invested at 7%$48,359 of profit by year 30, before investment growth	$60,887
What you'd walk away with	$1,133,023
If you put the same money in stocks
Cash to close ($131,572) invested at 7%	$1,001,560
Monthly shortfalls ($107,916 total by yr 30) investedThe money you'd have put into the building while it lost money	$534,396
What you'd walk away with	$1,535,956
Building minus stocks	−$402,933

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.

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: 177 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%

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).

Status history

2026-04-08New at $479,900