10445 Stony Creek RdMilanMI48160
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 10445 Stony Creek Rd, Milan, MI, 48160 in Milan is narrow, $175/mo net on $3,077/mo rent after the $2,086/mo debt service, but the property operates at break-even-plus, not a loss. At $440,000 with a 8.39% yield, the long-run equity case via 5% appreciation ($121,564 over five years) and $3,688/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.48 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $170,620.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.8% |
| Monthly Cash Flow | $175 | $250 |
City averages based on Milan market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,077 |
| Total Monthly Debt Service | $2,834 |
| DSCR Ratio | 1.09x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1991
1.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48160, Milan, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,468 (100%) |
| Owner Occupied HU | 4,344 (79.4%) |
| Renter Occupied HU | 890 (16.3%) |
| Vacant Housing Units | 234 ( 4.3%) |
| Median Home Value | $295,238 |
| Average Home Value | $368,325 |
Housing Distribution
Address Breakdown
Residential
5,054
Single Family
4,855
Multi-Family
199
Businesses
281
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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
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