1970 Main StUblyMI48475
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1970 Main St, Ubly, MI, 48475 in Ubly speaks for itself: 13.01% gross on a $180,000 price, generating $1,951/mo in rent and $764/mo in net income after the $809/mo debt service. DSCR 2.41, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,170 stacks alongside $49,731 in projected five-year appreciation and $1,658/yr in principal reduction. Projected total cumulative return: $117,751.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13% | 7.9% |
| Monthly Cash Flow | $764 | $600 |
City averages based on Ubly market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,951 |
| Total Monthly Debt Service | $1,115 |
| DSCR Ratio | 1.75x |
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 1869
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48475, Ubly, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,107 (100%) |
| Owner Occupied HU | 855 (77.2%) |
| Renter Occupied HU | 158 (14.3%) |
| Vacant Housing Units | 94 ( 8.5%) |
| Median Home Value | $177,500 |
| Average Home Value | $219,953 |
Housing Distribution
Address Breakdown
Residential
1,044
Single Family
1,028
Multi-Family
16
Businesses
62
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 1869
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48475, Ubly, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,107 (100%) |
| Owner Occupied HU | 855 (77.2%) |
| Renter Occupied HU | 158 (14.3%) |
| Vacant Housing Units | 94 ( 8.5%) |
| Median Home Value | $177,500 |
| Average Home Value | $219,953 |
Housing Distribution
Address Breakdown
Residential
1,044
Single Family
1,028
Multi-Family
16
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices