10244 Lost Valley RdMontagueMI49437
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 10244 Lost Valley Rd, Montague, MI, 49437 in Montague is capital appreciation. Rental yield 2.98%. The 2.98% gross yield at $725,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $200,304 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.55) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $84,387.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 8.0% |
| Monthly Cash Flow | $(2,981) | $450 |
City averages based on Montague market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,800 |
| Total Monthly Debt Service | $4,493 |
| DSCR Ratio | 0.40x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1966
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49437, Montague, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,650 (100%) |
| Owner Occupied HU | 2,595 (71.1%) |
| Renter Occupied HU | 355 ( 9.7%) |
| Vacant Housing Units | 700 (19.2%) |
| Median Home Value | $240,329 |
| Average Home Value | $327,025 |
Housing Distribution
Address Breakdown
Residential
3,213
Single Family
3,102
Multi-Family
111
Businesses
184
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1966
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49437, Montague, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,650 (100%) |
| Owner Occupied HU | 2,595 (71.1%) |
| Renter Occupied HU | 355 ( 9.7%) |
| Vacant Housing Units | 700 (19.2%) |
| Median Home Value | $240,329 |
| Average Home Value | $327,025 |
Housing Distribution
Address Breakdown
Residential
3,213
Single Family
3,102
Multi-Family
111
Businesses
184
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
