2135 4th StBay CityMI48708
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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
Investment Highlights
Investment property for sale in Bay City at 2135 4th St, Bay City, MI, 48708 offers a 9.23% rental yield on a $119,900 purchase with $922/mo rent. Total monthly income registers $922/mo, and a $587/mo payment leaves $131/mo available for distribution. Annual cash flow reaches $1,574/yr on $39,747 to close, and return on cash invested stands at 23.87% in year one. Equity gained on principal adds $774/yr while 5% annual appreciation supports $33,126 over five years. Portfolio math shows five-year ROI at 124.72% and total cumulative return in cash at $49,572. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $922/mo property income against a $587/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1910
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48708, Bay City, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,810 (100%) |
| Owner Occupied HU | 8,107 (63.3%) |
| Renter Occupied HU | 3,541 (27.6%) |
| Vacant Housing Units | 1,162 ( 9.1%) |
| Median Home Value | $113,877 |
| Average Home Value | $149,537 |
Housing Distribution
Address Breakdown
Residential
11,868
Single Family
10,701
Multi-Family
1,167
Businesses
829
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