206 S 4th StSaint ClairMI48079
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe headline number at 206 S 4th St, Saint Clair, MI, 48079 in Saint Clair is the 1.52 coverage ratio: rent of $1,945/mo versus a $1,282/mo debt payment on a $285,000 property. Rental yield 7.68%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $78,740 by year five, with $2,625/yr in equity from paydown. Total projected cumulative return: $112,787.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $(55) | $800 |
City averages based on Saint Clair market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,945 |
| Total Monthly Debt Service | $1,766 |
| DSCR Ratio | 1.10x |
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 1900
6,098 sqft lot
$N/A/sqft
No HOA
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 1900
6,098 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Wynne E Achatz • Real Estate One Westrick-Marine City
Mls Name: MiRealSource
Mls Provider:
Mls ID: #50172854
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