1804 Kristina DrWhite LakeMI48386
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1804 Kristina Dr, White Lake, MI, 48386 in White Lake is narrow, $193/mo net on $3,358/mo rent after the $2,135/mo debt service, but the property operates at break-even-plus, not a loss. At $474,900 with a 8.48% yield, the long-run equity case via 5% appreciation ($131,206 over five years) and $4,374/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $195,509.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $193 | $750 |
City averages based on White Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,358 |
| Total Monthly Debt Service | $2,943 |
| DSCR Ratio | 1.14x |
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 2003
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48386, White Lake, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,855 (100%) |
| Owner Occupied HU | 6,505 (82.8%) |
| Renter Occupied HU | 965 (12.3%) |
| Vacant Housing Units | 385 ( 4.9%) |
| Median Home Value | $372,950 |
| Average Home Value | $397,910 |
Housing Distribution
Address Breakdown
Residential
7,783
Single Family
7,384
Multi-Family
399
Businesses
236
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 2003
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48386, White Lake, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,855 (100%) |
| Owner Occupied HU | 6,505 (82.8%) |
| Renter Occupied HU | 965 (12.3%) |
| Vacant Housing Units | 385 ( 4.9%) |
| Median Home Value | $372,950 |
| Average Home Value | $397,910 |
Housing Distribution
Address Breakdown
Residential
7,783
Single Family
7,384
Multi-Family
399
Businesses
236
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jay Harrison • Keller Williams Ann Arbor Mrkt
Mls Name: MichRIC
Mls ID: #26004634