1973 N Spruce Ave, White Cloud, MI, 49349 | $295/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in White Cloud at 1973 N Spruce Ave, White Cloud, MI, 49349 listed at $405,000 pairs $2,965/mo rent with a $1,982/mo payment to leave $295/mo cash flow. Total monthly income runs $2,965/mo, and annual cash flow reaches $3,534/yr on $134,258 cash to close. Return on cash invested measures 22.54% in year one, and rental yield registers 8.79% at a $405,000 basis. Equity gained on principal adds $2,613/yr, and annual property appreciation at 5% supports $111,894 by year five. Five-year ROI tracks 117.49% and total cumulative return in cash totals $157,742. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $2,965/mo property income relative to a $1,982/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).

Single Family

Built in 2005

5 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 49349, White Cloud, MI area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	4,334 (100%)
Owner Occupied HU	2,768 (63.9%)
Renter Occupied HU	512 (11.8%)
Vacant Housing Units	1,054 (24.3%)
Median Home Value	$179,401
Average Home Value	$243,816