2013 E Ritchie RdLincolnMI48742
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 2013 E Ritchie Rd, Lincoln, MI, 48742 in Lincoln offers a clean, manageable entry. Rental yield 6.05%. DSCR 1.06 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $96,699 in additional property value over five years, with $2,934/yr in principal equity building ownership stake. Total projected cumulative return: $91,810.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 8.5% |
| Monthly Cash Flow | $(543) | $350 |
City averages based on Lincoln market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,765 |
| Total Monthly Debt Service | $2,254 |
| DSCR Ratio | 0.78x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1930
30 Acres lot
$N/A/sqft
No HOA
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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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