1654 Giddings RdPontiacMI48340
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1654 Giddings Rd, Pontiac, MI, 48340 in Pontiac is priced for appreciation, not yield. Rental yield 4.03%. At $525,000 with a 4.03% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $145,048 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.75) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $90,604.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 7.5% |
| Monthly Cash Flow | $(1,701) | $800 |
City averages based on Pontiac market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,762 |
| Total Monthly Debt Service | $3,253 |
| DSCR Ratio | 0.54x |
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 1951
4.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48340, Pontiac, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,064 (100%) |
| Owner Occupied HU | 4,425 (40.0%) |
| Renter Occupied HU | 5,949 (53.8%) |
| Vacant Housing Units | 690 ( 6.2%) |
| Median Home Value | $96,169 |
| Average Home Value | $168,314 |
Housing Distribution
Address Breakdown
Residential
10,626
Single Family
10,106
Multi-Family
520
Businesses
398
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 1951
4.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48340, Pontiac, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,064 (100%) |
| Owner Occupied HU | 4,425 (40.0%) |
| Renter Occupied HU | 5,949 (53.8%) |
| Vacant Housing Units | 690 ( 6.2%) |
| Median Home Value | $96,169 |
| Average Home Value | $168,314 |
Housing Distribution
Address Breakdown
Residential
10,626
Single Family
10,106
Multi-Family
520
Businesses
398
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices