23 S 5th StSebewaingMI48759
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $133,800, 23 S 5th St, Sebewaing, MI, 48759 in Sebewaing generates $1,011/mo in rent (9.07% yield) but nets only $129/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.68) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $36,966. Total projected return: $59,248.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.5% |
| Monthly Cash Flow | $129 | $320 |
City averages based on Sebewaing market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,011 |
| Total Monthly Debt Service | $829 |
| DSCR Ratio | 1.22x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48759, Sebewaing, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,673 (100%) |
| Owner Occupied HU | 1,151 (68.8%) |
| Renter Occupied HU | 250 (14.9%) |
| Vacant Housing Units | 272 (16.3%) |
| Median Home Value | $126,151 |
| Average Home Value | $168,093 |
Housing Distribution
Address Breakdown
Residential
1,497
Single Family
1,431
Multi-Family
66
Businesses
100
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48759, Sebewaing, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,673 (100%) |
| Owner Occupied HU | 1,151 (68.8%) |
| Renter Occupied HU | 250 (14.9%) |
| Vacant Housing Units | 272 (16.3%) |
| Median Home Value | $126,151 |
| Average Home Value | $168,093 |
Housing Distribution
Address Breakdown
Residential
1,497
Single Family
1,431
Multi-Family
66
Businesses
100
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices