12767 W M21FowlerMI48835
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.2% yield at 12767 W M21, Fowler, MI, 48835 in Fowler is solid, but the $535/mo payment compresses net cash flow to $127/mo at $119,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $32,878 by year five, and $1,096/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.70) without U.S. income documentation. Total projected return: $53,549.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.8% |
| Monthly Cash Flow | $127 | $450 |
City averages based on Fowler market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $912 |
| Total Monthly Debt Service | $737 |
| DSCR Ratio | 1.24x |
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 1910
2.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48835, Fowler, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,067 (100%) |
| Owner Occupied HU | 941 (88.2%) |
| Renter Occupied HU | 93 ( 8.7%) |
| Vacant Housing Units | 33 ( 3.1%) |
| Median Home Value | $253,697 |
| Average Home Value | $306,509 |
Housing Distribution
Address Breakdown
Residential
872
Single Family
856
Multi-Family
16
Businesses
47
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 1910
2.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48835, Fowler, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,067 (100%) |
| Owner Occupied HU | 941 (88.2%) |
| Renter Occupied HU | 93 ( 8.7%) |
| Vacant Housing Units | 33 ( 3.1%) |
| Median Home Value | $253,697 |
| Average Home Value | $306,509 |
Housing Distribution
Address Breakdown
Residential
872
Single Family
856
Multi-Family
16
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices