1725 Smith RdTemperanceMI48182
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1725 Smith Rd, Temperance, MI, 48182 in Temperance worth study. Rental yield 5.76%. The 5.76% gross yield is below cash-flow benchmarks at $469,900, but 5% annual appreciation, adding $129,825 over five years, frames this as a capital growth position. Rent of $2,256/mo partially offsets the $2,113/mo payment. Ziffy Mortgage finances appreciation-play properties (1.07 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $124,819.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 7.0% |
| Monthly Cash Flow | $(843) | $350 |
City averages based on Temperance market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,256 |
| Total Monthly Debt Service | $2,912 |
| DSCR Ratio | 0.77x |
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 2019
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48182, Temperance, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,855 (100%) |
| Owner Occupied HU | 8,042 (81.6%) |
| Renter Occupied HU | 1,499 (15.2%) |
| Vacant Housing Units | 314 ( 3.2%) |
| Median Home Value | $269,058 |
| Average Home Value | $288,379 |
Housing Distribution
Address Breakdown
Residential
9,133
Single Family
8,790
Multi-Family
343
Businesses
368
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 2019
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48182, Temperance, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,855 (100%) |
| Owner Occupied HU | 8,042 (81.6%) |
| Renter Occupied HU | 1,499 (15.2%) |
| Vacant Housing Units | 314 ( 3.2%) |
| Median Home Value | $269,058 |
| Average Home Value | $288,379 |
Housing Distribution
Address Breakdown
Residential
9,133
Single Family
8,790
Multi-Family
343
Businesses
368
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robin Lehmann • Key Realty One LLC - Lambertville
Mls Name: MiRealSource
Mls Provider:
Mls ID: #50178238
Disclaimer: Source MLS: MiRealSource Provided through IDX via MiRealSource. Courtesy of MiRealSource Shareholder. Copyright MiRealSource. The information published and disseminated by MiRealSource is communicated verbatim, without change by MiRealSource, as filed with MiRealSource by its members. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified. Copyright 2025 MiRealSource. All rights reserved. The information provided hereby constitutes proprietary information of MiRealSource, Inc. and its shareholders, affiliates and licensees and may not be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording, scanning or any information storage and retrieval system, without written permission from MiRealSource, Inc. [Click here for more information](/mls-disclaimers/#261)