11874 W Cutler RdEagleMI48822
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 11874 W Cutler Rd, Eagle, MI, 48822 in Eagle is capital appreciation. Rental yield 4.78%. The 4.78% gross yield at $465,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $128,471 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.84) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $90,165.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.0% |
| Monthly Cash Flow | $(1,216) | $350 |
City averages based on Eagle 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 | $1,850 |
| Total Monthly Debt Service | $2,995 |
| DSCR Ratio | 0.62x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1988
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48822, Eagle, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,217 (100%) |
| Owner Occupied HU | 1,083 (89.0%) |
| Renter Occupied HU | 87 ( 7.1%) |
| Vacant Housing Units | 47 ( 3.9%) |
| Median Home Value | $323,021 |
| Average Home Value | $373,892 |
Housing Distribution
Address Breakdown
Residential
1,189
Single Family
1,189
Multi-Family
0
Businesses
34
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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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