1096 E James StWhite CloudMI49349
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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
Investment Highlights
Investment property for sale in White Cloud at 1096 E James St, White Cloud, MI, 49349 uses $52,709 cash to close to unlock $1,535/yr annual cash flow and $128/mo monthly cash flow. Total monthly income runs $1,210/mo, and a $778/mo payment keeps the spread at $128/mo. Purchase price stands at $159,000, and rental yield measures 9.13% with $1,210/mo rent. Return on cash invested shows 22.82% in year one, and 5% annual appreciation builds toward $43,929 over five years. Five-year ROI reaches 119.27% and total cumulative return in cash records $62,868. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $1,210/mo property income covering a $778/mo payment rather than investor’s personal income.
Single Family
Built in 1950
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49349, White Cloud, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,334 (100%) |
| Owner Occupied HU | 2,768 (63.9%) |
| Renter Occupied HU | 512 (11.8%) |
| Vacant Housing Units | 1,054 (24.3%) |
| Median Home Value | $179,401 |
| Average Home Value | $243,816 |
Housing Distribution
Address Breakdown
Residential
3,390
Single Family
3,303
Multi-Family
87
Businesses
131
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Listed by: Benicio Cuellar • Cuellar Real Estate
Mls Name: MichRIC
Mls Provider:
Mls ID: #24061742
Disclaimer: Information is deemed reliable but not guaranteed. Copyright 2025 MichRIC, LLC. All rights reserved.