10928 Sand Creek HwySand CreekMI49279
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 10928 Sand Creek Hwy, Sand Creek, MI, 49279 in Sand Creek at $275,000 earns $1,910/mo in rent and nets $97/mo after the $1,237/mo payment, a 8.34% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $75,977 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $2,533/yr in principal paydown, total projected return reaches $110,979.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $97 | $350 |
City averages based on Sand Creek 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 | $1,910 |
| Total Monthly Debt Service | $1,704 |
| DSCR Ratio | 1.12x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1940
2.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49279, Sand Creek, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 451 (100%) |
| Owner Occupied HU | 364 (80.7%) |
| Renter Occupied HU | 58 (12.9%) |
| Vacant Housing Units | 29 ( 6.4%) |
| Median Home Value | $227,586 |
| Average Home Value | $341,126 |
Housing Distribution
Address Breakdown
Residential
315
Single Family
315
Multi-Family
0
Businesses
11
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 1940
2.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49279, Sand Creek, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 451 (100%) |
| Owner Occupied HU | 364 (80.7%) |
| Renter Occupied HU | 58 (12.9%) |
| Vacant Housing Units | 29 ( 6.4%) |
| Median Home Value | $227,586 |
| Average Home Value | $341,126 |
Housing Distribution
Address Breakdown
Residential
315
Single Family
315
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MichRIC
Mls ID: #26015604