115 S Emerson DrBranchMI49402
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 115 S Emerson Dr, Branch, MI, 49402 in Branch: $2,309/mo in rent, $454/mo in net income, 9.89% gross yield, 1.83 DSCR, all at $280,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $77,359 in appreciation and $2,579/yr in principal paydown projects total cumulative return of $135,949.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.3% |
| Monthly Cash Flow | $454 | $950 |
City averages based on Branch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,309 |
| Total Monthly Debt Service | $1,743 |
| DSCR Ratio | 1.32x |
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 1970
0.32 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49402, Branch, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,605 (100%) |
| Owner Occupied HU | 706 (44.0%) |
| Renter Occupied HU | 98 ( 6.1%) |
| Vacant Housing Units | 801 (49.9%) |
| Median Home Value | $195,000 |
| Average Home Value | $228,938 |
Housing Distribution
Address Breakdown
Residential
724
Single Family
724
Multi-Family
0
Businesses
14
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 1970
0.32 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49402, Branch, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,605 (100%) |
| Owner Occupied HU | 706 (44.0%) |
| Renter Occupied HU | 98 ( 6.1%) |
| Vacant Housing Units | 801 (49.9%) |
| Median Home Value | $195,000 |
| Average Home Value | $228,938 |
Housing Distribution
Address Breakdown
Residential
724
Single Family
724
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
