14038 13.25 LnGardenMI49835
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Garden rentals match the income profile of 14038 13.25 Ln, Garden, MI, 49835. Listed at $283,200, gross rent is $3,148/mo and net cash flow is $1,280/mo, a 13.34% yield well above national averages. DSCR 2.47 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $78,243 by year five with $2,608/yr in annual principal reduction, projecting $190,315 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.3% | 6.0% |
| Monthly Cash Flow | $1,280 | $400 |
City averages based on Garden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,148 |
| Total Monthly Debt Service | $1,755 |
| DSCR Ratio | 1.79x |
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 1976
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49835, Garden, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 644 (100%) |
| Owner Occupied HU | 359 (55.7%) |
| Renter Occupied HU | 26 ( 4.0%) |
| Vacant Housing Units | 259 (40.2%) |
| Median Home Value | $174,202 |
| Average Home Value | $209,276 |
Housing Distribution
Address Breakdown
Residential
321
Single Family
321
Multi-Family
0
Businesses
23
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 1976
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49835, Garden, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 644 (100%) |
| Owner Occupied HU | 359 (55.7%) |
| Renter Occupied HU | 26 ( 4.0%) |
| Vacant Housing Units | 259 (40.2%) |
| Median Home Value | $174,202 |
| Average Home Value | $209,276 |
Housing Distribution
Address Breakdown
Residential
321
Single Family
321
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices