3427 Cedar HwyPosenMI49776
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3427 Cedar Hwy, Posen, MI, 49776 in Posen at $234,900 earns $1,642/mo in rent and nets $93/mo after the $1,056/mo payment, a 8.39% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $64,899 over five years. Ziffy Mortgage underwrites this on a 1.55 DSCR without U.S. credit history. With $2,163/yr in principal paydown, total projected return reaches $95,495.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 8.0% |
| Monthly Cash Flow | $93 | $850 |
City averages based on Posen market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,642 |
| Total Monthly Debt Service | $1,456 |
| DSCR Ratio | 1.13x |
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 N/A
2.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49776, Posen, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,065 (100%) |
| Owner Occupied HU | 671 (63.0%) |
| Renter Occupied HU | 82 ( 7.7%) |
| Vacant Housing Units | 312 (29.3%) |
| Median Home Value | $169,901 |
| Average Home Value | $206,401 |
Housing Distribution
Address Breakdown
Residential
774
Single Family
750
Multi-Family
24
Businesses
53
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 N/A
2.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49776, Posen, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,065 (100%) |
| Owner Occupied HU | 671 (63.0%) |
| Renter Occupied HU | 82 ( 7.7%) |
| Vacant Housing Units | 312 (29.3%) |
| Median Home Value | $169,901 |
| Average Home Value | $206,401 |
Housing Distribution
Address Breakdown
Residential
774
Single Family
750
Multi-Family
24
Businesses
53
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices