19155 S Raucholz RdOakleyMI48649
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.73% yield at 19155 S Raucholz Rd, Oakley, MI, 48649 in Oakley is solid, but the $764/mo payment compresses net cash flow to $116/mo at $170,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $46,968 by year five, and $1,566/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.62) without U.S. income documentation. Total projected return: $72,228.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.2% |
| Monthly Cash Flow | $116 | $300 |
City averages based on Oakley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,237 |
| Total Monthly Debt Service | $1,053 |
| DSCR Ratio | 1.17x |
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 1977
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48649, Oakley, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 812 (100%) |
| Owner Occupied HU | 667 (82.1%) |
| Renter Occupied HU | 109 (13.4%) |
| Vacant Housing Units | 36 ( 4.4%) |
| Median Home Value | $204,529 |
| Average Home Value | $242,279 |
Housing Distribution
Address Breakdown
Residential
620
Single Family
620
Multi-Family
0
Businesses
24
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 1977
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48649, Oakley, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 812 (100%) |
| Owner Occupied HU | 667 (82.1%) |
| Renter Occupied HU | 109 (13.4%) |
| Vacant Housing Units | 36 ( 4.4%) |
| Median Home Value | $204,529 |
| Average Home Value | $242,279 |
Housing Distribution
Address Breakdown
Residential
620
Single Family
620
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices