12847 Rathbun RdBirch RunMI48415
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 12847 Rathbun Rd, Birch Run, MI, 48415 in Birch Run is capital appreciation. Rental yield 4.15%. The 4.15% gross yield at $749,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $207,184 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.77) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $134,540.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 9.0% |
| Monthly Cash Flow | $(2,350) | $800 |
City averages based on Birch Run market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,596 |
| Total Monthly Debt Service | $4,647 |
| DSCR Ratio | 0.56x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1990
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48415, Birch Run, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,847 (100%) |
| Owner Occupied HU | 3,049 (79.3%) |
| Renter Occupied HU | 572 (14.9%) |
| Vacant Housing Units | 226 ( 5.9%) |
| Median Home Value | $228,437 |
| Average Home Value | $273,805 |
Housing Distribution
Address Breakdown
Residential
3,736
Single Family
3,627
Multi-Family
109
Businesses
284
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 1990
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48415, Birch Run, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,847 (100%) |
| Owner Occupied HU | 3,049 (79.3%) |
| Renter Occupied HU | 572 (14.9%) |
| Vacant Housing Units | 226 ( 5.9%) |
| Median Home Value | $228,437 |
| Average Home Value | $273,805 |
Housing Distribution
Address Breakdown
Residential
3,736
Single Family
3,627
Multi-Family
109
Businesses
284
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices