2890 Twin Lake RdLuptonMI48635
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2890 Twin Lake Rd, Lupton, MI, 48635 in Lupton at $108,000 earns $852/mo in rent and nets $140/mo after the $486/mo payment, a 9.47% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $29,838 over five years. Ziffy Mortgage underwrites this on a 1.75 DSCR without U.S. credit history. With $995/yr in principal paydown, total projected return reaches $50,164.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.0% |
| Monthly Cash Flow | $140 | $250 |
City averages based on Lupton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $852 |
| Total Monthly Debt Service | $669 |
| DSCR Ratio | 1.27x |
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.
Manufactured
Built in 1984
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48635, Lupton, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,774 (100%) |
| Owner Occupied HU | 644 (36.3%) |
| Renter Occupied HU | 66 ( 3.7%) |
| Vacant Housing Units | 1,064 (60.0%) |
| Median Home Value | $183,898 |
| Average Home Value | $214,208 |
Housing Distribution
Address Breakdown
Residential
853
Single Family
853
Multi-Family
0
Businesses
18
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
Manufactured
Built in 1984
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48635, Lupton, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,774 (100%) |
| Owner Occupied HU | 644 (36.3%) |
| Renter Occupied HU | 66 ( 3.7%) |
| Vacant Housing Units | 1,064 (60.0%) |
| Median Home Value | $183,898 |
| Average Home Value | $214,208 |
Housing Distribution
Address Breakdown
Residential
853
Single Family
853
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices