121 Stratford Ln #92RochesterMI48309
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 121 Stratford Ln #92, Rochester, MI, 48309 in Rochester. Priced at $246,500, it generates $2,520/mo in gross rent and $564/mo in net monthly cash flow, a 12.27% yield that comfortably supports the 2.27 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,774. Five-year appreciation: $68,103. Equity from principal paydown: $2,270/yr. Total projected cumulative return: $131,680.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.5% |
| Monthly Cash Flow | $564 | $1,500 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,520 |
| Total Monthly Debt Service | $1,857 |
| DSCR Ratio | 1.36x |
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.
Townhouse
Built in 1972
N/A lot
$N/A/sqft
$330 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48309, Rochester, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,743 (100%) |
| Owner Occupied HU | 9,849 (77.3%) |
| Renter Occupied HU | 2,249 (17.6%) |
| Vacant Housing Units | 645 ( 5.1%) |
| Median Home Value | $410,251 |
| Average Home Value | $454,906 |
Housing Distribution
Address Breakdown
Residential
12,113
Single Family
11,118
Multi-Family
995
Businesses
834
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
Townhouse
Built in 1972
N/A lot
$N/A/sqft
$330 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48309, Rochester, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,743 (100%) |
| Owner Occupied HU | 9,849 (77.3%) |
| Renter Occupied HU | 2,249 (17.6%) |
| Vacant Housing Units | 645 ( 5.1%) |
| Median Home Value | $410,251 |
| Average Home Value | $454,906 |
Housing Distribution
Address Breakdown
Residential
12,113
Single Family
11,118
Multi-Family
995
Businesses
834
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices