1667 Aspen TrailsOtsegoMI49078
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 1667 Aspen Trails, Otsego, MI, 49078 in Otsego. Rental yield 4.53%. At $349,900 with 4.53% gross yield, current distributions are modest, but the 5% appreciation rate projects $96,671 in new equity by year five, complemented by $3,223/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.84) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $68,806.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.5% |
| Monthly Cash Flow | $(1,003) | $350 |
City averages based on Otsego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,320 |
| Total Monthly Debt Service | $2,184 |
| DSCR Ratio | 0.60x |
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 2026
0.45 Acres lot
$N/A/sqft
$195 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49078, Otsego, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,969 (100%) |
| Owner Occupied HU | 3,182 (80.2%) |
| Renter Occupied HU | 648 (16.3%) |
| Vacant Housing Units | 139 ( 3.5%) |
| Median Home Value | $241,781 |
| Average Home Value | $263,448 |
Housing Distribution
Address Breakdown
Residential
3,801
Single Family
3,726
Multi-Family
75
Businesses
183
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 2026
0.45 Acres lot
$N/A/sqft
$195 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49078, Otsego, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,969 (100%) |
| Owner Occupied HU | 3,182 (80.2%) |
| Renter Occupied HU | 648 (16.3%) |
| Vacant Housing Units | 139 ( 3.5%) |
| Median Home Value | $241,781 |
| Average Home Value | $263,448 |
Housing Distribution
Address Breakdown
Residential
3,801
Single Family
3,726
Multi-Family
75
Businesses
183
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
