18925 W Townline RdSaint CharlesMI48655
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 18925 W Townline Rd, Saint Charles, MI, 48655 in Saint Charles. Rental yield 5.47%. At $247,500 with 5.47% gross yield, current distributions are modest, but the 5% appreciation rate projects $68,380 in new equity by year five, complemented by $2,280/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.01) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $61,953.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 7.0% |
| Monthly Cash Flow | $(503) | $350 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,129 |
| Total Monthly Debt Service | $1,534 |
| DSCR Ratio | 0.74x |
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
2.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48655, Saint Charles, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,516 (100%) |
| Owner Occupied HU | 2,056 (81.7%) |
| Renter Occupied HU | 314 (12.5%) |
| Vacant Housing Units | 146 ( 5.8%) |
| Median Home Value | $204,050 |
| Average Home Value | $235,154 |
Housing Distribution
Address Breakdown
Residential
2,502
Single Family
2,502
Multi-Family
0
Businesses
114
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
2.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48655, Saint Charles, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,516 (100%) |
| Owner Occupied HU | 2,056 (81.7%) |
| Renter Occupied HU | 314 (12.5%) |
| Vacant Housing Units | 146 ( 5.8%) |
| Median Home Value | $204,050 |
| Average Home Value | $235,154 |
Housing Distribution
Address Breakdown
Residential
2,502
Single Family
2,502
Multi-Family
0
Businesses
114
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MiRealSource
Mls ID: #50199568