3430 Lowden StKalamazooMI49008
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 3430 Lowden St, Kalamazoo, MI, 49008 in Kalamazoo: $1,440/mo in rent, $359/mo in net income, 10.54% gross yield, 1.95 DSCR, all at $164,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $45,310 in appreciation and $1,510/yr in principal paydown projects total cumulative return of $85,617.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 7.8% |
| Monthly Cash Flow | $359 | $450 |
City averages based on Kalamazoo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $1,016 |
| DSCR Ratio | 1.42x |
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 1924
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49008, Kalamazoo, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,408 (100%) |
| Owner Occupied HU | 4,403 (59.4%) |
| Renter Occupied HU | 2,572 (34.7%) |
| Vacant Housing Units | 433 ( 5.8%) |
| Median Home Value | $313,209 |
| Average Home Value | $367,462 |
Housing Distribution
Address Breakdown
Residential
7,213
Single Family
5,774
Multi-Family
1,439
Businesses
537
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 1924
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49008, Kalamazoo, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,408 (100%) |
| Owner Occupied HU | 4,403 (59.4%) |
| Renter Occupied HU | 2,572 (34.7%) |
| Vacant Housing Units | 433 ( 5.8%) |
| Median Home Value | $313,209 |
| Average Home Value | $367,462 |
Housing Distribution
Address Breakdown
Residential
7,213
Single Family
5,774
Multi-Family
1,439
Businesses
537
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices