14770 Panu StKalevaMI49645
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 14770 Panu St, Kaleva, MI, 49645 in Kaleva. Priced at $168,000, it generates $2,176/mo in gross rent and $1,068/mo in net monthly cash flow, a 15.54% yield that comfortably supports the 2.88 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $12,813. Five-year appreciation: $46,415. Equity from principal paydown: $1,547/yr. Total projected cumulative return: $132,795.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.5% | 7.2% |
| Monthly Cash Flow | $1,068 | $350 |
City averages based on Kaleva market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,176 |
| Total Monthly Debt Service | $1,041 |
| DSCR Ratio | 2.09x |
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 1971
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49645, Kaleva, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,031 (100%) |
| Owner Occupied HU | 648 (62.9%) |
| Renter Occupied HU | 102 ( 9.9%) |
| Vacant Housing Units | 281 (27.3%) |
| Median Home Value | $167,241 |
| Average Home Value | $214,541 |
Housing Distribution
Address Breakdown
Residential
691
Single Family
691
Multi-Family
0
Businesses
72
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 1971
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49645, Kaleva, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,031 (100%) |
| Owner Occupied HU | 648 (62.9%) |
| Renter Occupied HU | 102 ( 9.9%) |
| Vacant Housing Units | 281 (27.3%) |
| Median Home Value | $167,241 |
| Average Home Value | $214,541 |
Housing Distribution
Address Breakdown
Residential
691
Single Family
691
Multi-Family
0
Businesses
72
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
