30476 22nd StKalamazooMI49009
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 30476 22nd St, Kalamazoo, MI, 49009 in Kalamazoo is narrow, $157/mo net on $2,393/mo rent after the $1,524/mo debt service, but the property operates at break-even-plus, not a loss. At $339,000 with a 8.47% yield, the long-run equity case via 5% appreciation ($93,659 over five years) and $3,122/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $139,303.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.8% |
| Monthly Cash Flow | $157 | $450 |
City averages based on Kalamazoo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,393 |
| Total Monthly Debt Service | $2,101 |
| DSCR Ratio | 1.14x |
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 1983
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49009, Kalamazoo, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,901 (100%) |
| Owner Occupied HU | 13,468 (64.4%) |
| Renter Occupied HU | 6,435 (30.8%) |
| Vacant Housing Units | 998 ( 4.8%) |
| Median Home Value | $361,839 |
| Average Home Value | $405,222 |
Housing Distribution
Address Breakdown
Residential
20,459
Single Family
15,874
Multi-Family
4,585
Businesses
854
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 1983
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49009, Kalamazoo, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,901 (100%) |
| Owner Occupied HU | 13,468 (64.4%) |
| Renter Occupied HU | 6,435 (30.8%) |
| Vacant Housing Units | 998 ( 4.8%) |
| Median Home Value | $361,839 |
| Average Home Value | $405,222 |
Housing Distribution
Address Breakdown
Residential
20,459
Single Family
15,874
Multi-Family
4,585
Businesses
854
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices