119 N Hubbard StSaint LouisMI48880
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 119 N Hubbard St, Saint Louis, MI, 48880 in Saint Louis speaks for itself: 15.48% gross on a $157,500 price, generating $2,032/mo in rent and $993/mo in net income after the $708/mo debt service. DSCR 2.87, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,916 stacks alongside $43,514 in projected five-year appreciation and $1,451/yr in principal reduction. Projected total cumulative return: $123,983.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.5% | 9.0% |
| Monthly Cash Flow | $993 | $180 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,032 |
| Total Monthly Debt Service | $976 |
| DSCR Ratio | 2.08x |
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
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48880, Saint Louis, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,042 (100%) |
| Owner Occupied HU | 2,138 (70.3%) |
| Renter Occupied HU | 655 (21.5%) |
| Vacant Housing Units | 249 ( 8.2%) |
| Median Home Value | $155,172 |
| Average Home Value | $183,709 |
Housing Distribution
Address Breakdown
Residential
2,909
Single Family
2,809
Multi-Family
100
Businesses
192
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
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48880, Saint Louis, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,042 (100%) |
| Owner Occupied HU | 2,138 (70.3%) |
| Renter Occupied HU | 655 (21.5%) |
| Vacant Housing Units | 249 ( 8.2%) |
| Median Home Value | $155,172 |
| Average Home Value | $183,709 |
Housing Distribution
Address Breakdown
Residential
2,909
Single Family
2,809
Multi-Family
100
Businesses
192
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices