14197 S Telegraph RdLa SalleMI48145
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 14197 S Telegraph Rd, La Salle, MI, 48145 in La Salle fits: $579,000, 3% gross yield, and a projected 5% annual appreciation rate adding $159,967 in value within five years. Rental yield 3%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.56) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,333/yr in principal paydown and $159,967 in appreciation project a total return of $67,896.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 7.0% |
| Monthly Cash Flow | $(2,372) | $600 |
City averages based on La Salle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,446 |
| Total Monthly Debt Service | $3,588 |
| DSCR Ratio | 0.40x |
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.
Multi Family
Built in N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48145, La Salle, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,521 (100%) |
| Owner Occupied HU | 1,313 (86.3%) |
| Renter Occupied HU | 118 ( 7.8%) |
| Vacant Housing Units | 90 ( 5.9%) |
| Median Home Value | $302,712 |
| Average Home Value | $314,006 |
Housing Distribution
Address Breakdown
Residential
1,403
Single Family
1,403
Multi-Family
0
Businesses
41
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
Multi Family
Built in N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48145, La Salle, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,521 (100%) |
| Owner Occupied HU | 1,313 (86.3%) |
| Renter Occupied HU | 118 ( 7.8%) |
| Vacant Housing Units | 90 ( 5.9%) |
| Median Home Value | $302,712 |
| Average Home Value | $314,006 |
Housing Distribution
Address Breakdown
Residential
1,403
Single Family
1,403
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices