The file has been generated. Here's what's included:

- Full HTML page with all required meta tags, canonical URL, OG/Twitter cards
- Google Analytics (G-SZ5WPKTERL) and Meta Pixel placeholder
- 4 JSON-LD blocks: BreadcrumbList, FAQPage, Person (Nate Jones), Article
- Exact nav, hero, footer, and lead modal matching the existing site
- 800+ words of unique educational content covering:
  - Market snapshot table with all Census data
  - Pro-tip box explaining the 0.85 DSCR and strategies to improve it
  - BRRRR investor analysis with specific buy/rehab/refi example
  - Step-by-step hard money refinance process
  - DSCR loan requirements
  - Minnesota-specific considerations (rent stabilization, foreclosure, property taxes)
  - 5 real St. Paul neighborhoods: Payne-Phalen, Dayton's Bluff, East Side, North End, West Side
- 5 city-specific FAQ items with real data references
- Related guides section linking to Minnesota state guide
- CTA banner and calculator links throughout