3509 E Taylor RdHartMI49420
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3509 E Taylor Rd, Hart, MI, 49420 in Hart is narrow, $130/mo net on $1,186/mo rent after the $719/mo debt service, but the property operates at break-even-plus, not a loss. At $160,000 with a 8.89% yield, the long-run equity case via 5% appreciation ($44,205 over five years) and $1,474/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.65 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $69,400.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 7.0% |
| Monthly Cash Flow | $130 | $400 |
City averages based on Hart market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,186 |
| Total Monthly Debt Service | $991 |
| DSCR Ratio | 1.20x |
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 1953
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49420, Hart, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,918 (100%) |
| Owner Occupied HU | 1,834 (62.9%) |
| Renter Occupied HU | 541 (18.5%) |
| Vacant Housing Units | 543 (18.6%) |
| Median Home Value | $178,297 |
| Average Home Value | $224,875 |
Housing Distribution
Address Breakdown
Residential
2,618
Single Family
2,527
Multi-Family
91
Businesses
255
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 1953
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49420, Hart, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,918 (100%) |
| Owner Occupied HU | 1,834 (62.9%) |
| Renter Occupied HU | 541 (18.5%) |
| Vacant Housing Units | 543 (18.6%) |
| Median Home Value | $178,297 |
| Average Home Value | $224,875 |
Housing Distribution
Address Breakdown
Residential
2,618
Single Family
2,527
Multi-Family
91
Businesses
255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
