14040 Regatta Bay DrUticaMI48315
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.96% gross rental yield, 14040 Regatta Bay Dr, Utica, MI, 48315 in Utica is priced for capital growth, not immediate cash flow. The $693,485 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $191,597 by year five, with $6,387/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.55) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $74,182.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.0% |
| Monthly Cash Flow | $(2,960) | $850 |
City averages based on Utica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,709 |
| Total Monthly Debt Service | $4,393 |
| DSCR Ratio | 0.39x |
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 2025
0.42 Acres lot
$N/A/sqft
$1,147 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48315, Utica, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,660 (100%) |
| Owner Occupied HU | 9,734 (83.5%) |
| Renter Occupied HU | 1,562 (13.4%) |
| Vacant Housing Units | 364 ( 3.1%) |
| Median Home Value | $387,075 |
| Average Home Value | $384,918 |
Housing Distribution
Address Breakdown
Residential
11,656
Single Family
11,075
Multi-Family
581
Businesses
1,095
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 2025
0.42 Acres lot
$N/A/sqft
$1,147 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48315, Utica, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,660 (100%) |
| Owner Occupied HU | 9,734 (83.5%) |
| Renter Occupied HU | 1,562 (13.4%) |
| Vacant Housing Units | 364 ( 3.1%) |
| Median Home Value | $387,075 |
| Average Home Value | $384,918 |
Housing Distribution
Address Breakdown
Residential
11,656
Single Family
11,075
Multi-Family
581
Businesses
1,095
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anthony Lombardo • Lombardo Realty
Mls Name: Realcomp II
Mls Provider:
Mls ID: #20250020685
Disclaimer: IDX provided courtesy of Realcomp II Ltd. via Zillow, Inc and MLS Copyright 2025 Realcomp II Ltd. Shareholders IDX information is provided exclusively for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified. The data relating to real estate properties on this website was last updated as recently as 2025-03-28 03:07:25 PDT Listing Information presented by local MLS brokerage: Zillow, Inc., REALTOR- Lauren Buttazzoni - (313) 479-2702