227 N 1st StWest BranchMI48661
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 227 N 1st St, West Branch, MI, 48661 in West Branch at $235,000 earns $1,649/mo in rent and nets $99/mo after the $1,057/mo payment, a 8.42% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $64,926 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $2,164/yr in principal paydown, total projected return reaches $95,912.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 8.0% |
| Monthly Cash Flow | $99 | $200 |
City averages based on West Branch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,649 |
| Total Monthly Debt Service | $1,456 |
| DSCR Ratio | 1.13x |
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 1940
9,583 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 1940
9,583 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: BRENT CHURCH • MORRIS-RICHARDSON RE
Mls Name: NGLRMLS
Mls ID: #1938535