22616 Madison StSaint Clair ShoresMI48081
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 22616 Madison St, Saint Clair Shores, MI, 48081 in Saint Clair Shores aligned with their strategy. Rental yield 6.74%. DSCR 1.25 and 6.74% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $3,683/yr in paydown build toward a projected cumulative return of $126,265.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 7.0% |
| Monthly Cash Flow | $(407) | $1,200 |
City averages based on Saint Clair Shores market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,245 |
| Total Monthly Debt Service | $2,493 |
| DSCR Ratio | 0.90x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1940
10,018 sqft lot
$N/A/sqft
$178 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48081, Saint Clair Shores, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,416 (100%) |
| Owner Occupied HU | 7,883 (83.7%) |
| Renter Occupied HU | 1,203 (12.8%) |
| Vacant Housing Units | 330 ( 3.5%) |
| Median Home Value | $230,204 |
| Average Home Value | $275,013 |
Housing Distribution
Address Breakdown
Residential
9,382
Single Family
8,746
Multi-Family
636
Businesses
416
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 1940
10,018 sqft lot
$N/A/sqft
$178 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48081, Saint Clair Shores, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,416 (100%) |
| Owner Occupied HU | 7,883 (83.7%) |
| Renter Occupied HU | 1,203 (12.8%) |
| Vacant Housing Units | 330 ( 3.5%) |
| Median Home Value | $230,204 |
| Average Home Value | $275,013 |
Housing Distribution
Address Breakdown
Residential
9,382
Single Family
8,746
Multi-Family
636
Businesses
416
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shawne Schulz • Sine & Monaghan Realtors LLC Algonac
Mls Name: MiRealSource
Mls Provider:
Mls ID: #50202770
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