12970 Silver Spring LnBattle CreekMI49014
INVESTMENT ANALYSIS
Investment Verdict
Solid Income12970 Silver Spring Ln, Battle Creek, MI, 49014 in Battle Creek earns a respectable 8.24% gross yield at $332,500, but after the $1,495/mo mortgage the net cash flow is $37/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.58) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $91,864 over five years, making equity the dominant return driver. Total projected return: $132,692.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 8.2% |
| Monthly Cash Flow | $37 | $450 |
City averages based on Battle Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,369 |
| Total Monthly Debt Service | $2,150 |
| DSCR Ratio | 1.10x |
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 2012
0.66 Acres lot
$N/A/sqft
$300 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49014, Battle Creek, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,018 (100%) |
| Owner Occupied HU | 6,234 (69.1%) |
| Renter Occupied HU | 2,116 (23.5%) |
| Vacant Housing Units | 668 ( 7.4%) |
| Median Home Value | $208,502 |
| Average Home Value | $239,100 |
Housing Distribution
Address Breakdown
Residential
8,816
Single Family
7,914
Multi-Family
902
Businesses
451
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 2012
0.66 Acres lot
$N/A/sqft
$300 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49014, Battle Creek, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,018 (100%) |
| Owner Occupied HU | 6,234 (69.1%) |
| Renter Occupied HU | 2,116 (23.5%) |
| Vacant Housing Units | 668 ( 7.4%) |
| Median Home Value | $208,502 |
| Average Home Value | $239,100 |
Housing Distribution
Address Breakdown
Residential
8,816
Single Family
7,914
Multi-Family
902
Businesses
451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynn Wilson • Five Star Real Estate
Mls Name: MichRIC
Mls Provider:
Mls ID: #25020856
Disclaimer: Information is deemed reliable but not guaranteed. Copyright 2025 MichRIC, LLC. All rights reserved.