2669 Valley DrSaginawMI48603
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2669 Valley Dr, Saginaw, MI, 48603 in Saginaw at $187,900 earns $1,422/mo in rent and nets $183/mo after the $845/mo payment, a 9.08% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $51,913 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $1,731/yr in principal paydown, total projected return reaches $83,373.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 9.0% |
| Monthly Cash Flow | $183 | $800 |
City averages based on Saginaw market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,422 |
| Total Monthly Debt Service | $1,164 |
| 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 1956
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48603, Saginaw, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,279 (100%) |
| Owner Occupied HU | 8,422 (63.4%) |
| Renter Occupied HU | 4,095 (30.8%) |
| Vacant Housing Units | 762 ( 5.7%) |
| Median Home Value | $207,602 |
| Average Home Value | $239,030 |
Housing Distribution
Address Breakdown
Residential
13,098
Single Family
10,560
Multi-Family
2,538
Businesses
934
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 1956
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48603, Saginaw, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,279 (100%) |
| Owner Occupied HU | 8,422 (63.4%) |
| Renter Occupied HU | 4,095 (30.8%) |
| Vacant Housing Units | 762 ( 5.7%) |
| Median Home Value | $207,602 |
| Average Home Value | $239,030 |
Housing Distribution
Address Breakdown
Residential
13,098
Single Family
10,560
Multi-Family
2,538
Businesses
934
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices