3138 S Miller RdSidneyMI48885
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $165,000, 3138 S Miller Rd, Sidney, MI, 48885 in Sidney generates $1,246/mo in rent (9.06% yield) but nets only $158/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: $45,586. Total projected return: $73,046.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $158 | $180 |
City averages based on Sidney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,246 |
| Total Monthly Debt Service | $1,022 |
| 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.
Manufactured
Built in 1991
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48885, Sidney, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 323 (82.6%) |
| Renter Occupied HU | 47 (12.0%) |
| Vacant Housing Units | 21 ( 5.4%) |
| Median Home Value | $238,158 |
| Average Home Value | $262,523 |
Housing Distribution
Address Breakdown
Residential
379
Single Family
379
Multi-Family
0
Businesses
17
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 1991
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48885, Sidney, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 323 (82.6%) |
| Renter Occupied HU | 47 (12.0%) |
| Vacant Housing Units | 21 ( 5.4%) |
| Median Home Value | $238,158 |
| Average Home Value | $262,523 |
Housing Distribution
Address Breakdown
Residential
379
Single Family
379
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices