351 Baldwin AvePontiacMI48342
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 351 Baldwin Ave, Pontiac, MI, 48342 in Pontiac speaks for itself: 28.96% gross on a $110,000 price, generating $2,654/mo in rent and $1,929/mo in net income after the $495/mo debt service. DSCR 5.36, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $23,148 stacks alongside $30,391 in projected five-year appreciation and $1,013/yr in principal reduction. Projected total cumulative return: $165,997.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 29% | 7.5% |
| Monthly Cash Flow | $1,929 | $800 |
City averages based on Pontiac market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,654 |
| Total Monthly Debt Service | $682 |
| DSCR Ratio | 3.89x |
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 1920
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48342, Pontiac, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,410 (100%) |
| Owner Occupied HU | 3,374 (40.1%) |
| Renter Occupied HU | 4,344 (51.7%) |
| Vacant Housing Units | 692 ( 8.2%) |
| Median Home Value | $85,725 |
| Average Home Value | $154,378 |
Housing Distribution
Address Breakdown
Residential
7,253
Single Family
6,421
Multi-Family
832
Businesses
575
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 1920
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48342, Pontiac, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,410 (100%) |
| Owner Occupied HU | 3,374 (40.1%) |
| Renter Occupied HU | 4,344 (51.7%) |
| Vacant Housing Units | 692 ( 8.2%) |
| Median Home Value | $85,725 |
| Average Home Value | $154,378 |
Housing Distribution
Address Breakdown
Residential
7,253
Single Family
6,421
Multi-Family
832
Businesses
575
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices