2154 Union StUblyMI48475
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow2154 Union St, Ubly, MI, 48475 in Ubly is a top-tier cash-flow asset. At $174,900 it produces $2,671/mo in rent and $1,518/mo in net monthly income, a 18.33% gross rental yield. The DSCR of 3.40 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $18,214. Five-year appreciation adds $48,322, driving a total cumulative return of $164,317.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.3% | 7.9% |
| Monthly Cash Flow | $1,518 | $600 |
City averages based on Ubly market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,671 |
| Total Monthly Debt Service | $1,084 |
| DSCR Ratio | 2.46x |
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 1921
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48475, Ubly, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,107 (100%) |
| Owner Occupied HU | 855 (77.2%) |
| Renter Occupied HU | 158 (14.3%) |
| Vacant Housing Units | 94 ( 8.5%) |
| Median Home Value | $177,500 |
| Average Home Value | $219,953 |
Housing Distribution
Address Breakdown
Residential
1,044
Single Family
1,028
Multi-Family
16
Businesses
62
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 1921
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48475, Ubly, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,107 (100%) |
| Owner Occupied HU | 855 (77.2%) |
| Renter Occupied HU | 158 (14.3%) |
| Vacant Housing Units | 94 ( 8.5%) |
| Median Home Value | $177,500 |
| Average Home Value | $219,953 |
Housing Distribution
Address Breakdown
Residential
1,044
Single Family
1,028
Multi-Family
16
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices