200 N River RdSaginawMI48609
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow200 N River Rd, Saginaw, MI, 48609 in Saginaw earns its strong cash-flow label: 18.02% yield, $2,988/mo rent, $1,676/mo net income, DSCR 3.34. The $199,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $54,980 by year five. Combined with $1,833/yr in principal paydown, total projected return reaches $183,654.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18% | 9.0% |
| Monthly Cash Flow | $1,676 | $800 |
City averages based on Saginaw market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,988 |
| Total Monthly Debt Service | $1,233 |
| DSCR Ratio | 2.42x |
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 1947
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48609, Saginaw, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,507 (100%) |
| Owner Occupied HU | 4,627 (84.0%) |
| Renter Occupied HU | 625 (11.3%) |
| Vacant Housing Units | 255 ( 4.6%) |
| Median Home Value | $219,174 |
| Average Home Value | $248,238 |
Housing Distribution
Address Breakdown
Residential
5,392
Single Family
4,594
Multi-Family
798
Businesses
247
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 1947
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48609, Saginaw, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,507 (100%) |
| Owner Occupied HU | 4,627 (84.0%) |
| Renter Occupied HU | 625 (11.3%) |
| Vacant Housing Units | 255 ( 4.6%) |
| Median Home Value | $219,174 |
| Average Home Value | $248,238 |
Housing Distribution
Address Breakdown
Residential
5,392
Single Family
4,594
Multi-Family
798
Businesses
247
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices