128 Territorial Rd EBattle CreekMI49015
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow128 Territorial Rd E, Battle Creek, MI, 49015 in Battle Creek is a solid income-producing rental, 10.09% gross yield, $1,345/mo rent, $290/mo net cash flow on a $139,000 buy. DSCR 2.15 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $38,403 and $1,280/yr in principal reduction project a total cumulative return of $80,528.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 8.2% |
| Monthly Cash Flow | $290 | $450 |
City averages based on Battle Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,345 |
| Total Monthly Debt Service | $861 |
| DSCR Ratio | 1.56x |
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 1920
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49015, Battle Creek, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,329 (100%) |
| Owner Occupied HU | 8,019 (65.0%) |
| Renter Occupied HU | 3,459 (28.1%) |
| Vacant Housing Units | 851 ( 6.9%) |
| Median Home Value | $189,927 |
| Average Home Value | $217,209 |
Housing Distribution
Address Breakdown
Residential
12,112
Single Family
11,268
Multi-Family
844
Businesses
819
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 1920
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49015, Battle Creek, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,329 (100%) |
| Owner Occupied HU | 8,019 (65.0%) |
| Renter Occupied HU | 3,459 (28.1%) |
| Vacant Housing Units | 851 ( 6.9%) |
| Median Home Value | $189,927 |
| Average Home Value | $217,209 |
Housing Distribution
Address Breakdown
Residential
12,112
Single Family
11,268
Multi-Family
844
Businesses
819
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jacob M VanDeWalker • Michigan Top Producers
Mls Name: MichRIC
Mls Provider:
Mls ID: #25030092
Disclaimer: Information is deemed reliable but not guaranteed. Copyright 2025 MichRIC, LLC. All rights reserved.