3530 Ross StKingstonMI48741
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $105,000, 3530 Ross St, Kingston, MI, 48741 in Kingston generates $840/mo in rent (9.6% yield) but nets only $148/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 (1.78) 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: $29,010. Total projected return: $49,527.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.5% |
| Monthly Cash Flow | $148 | $850 |
City averages based on Kingston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $840 |
| Total Monthly Debt Service | $651 |
| DSCR Ratio | 1.29x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48741, Kingston, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 946 (100%) |
| Owner Occupied HU | 710 (75.1%) |
| Renter Occupied HU | 112 (11.8%) |
| Vacant Housing Units | 124 (13.1%) |
| Median Home Value | $185,714 |
| Average Home Value | $228,324 |
Housing Distribution
Address Breakdown
Residential
777
Single Family
753
Multi-Family
24
Businesses
38
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48741, Kingston, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 946 (100%) |
| Owner Occupied HU | 710 (75.1%) |
| Renter Occupied HU | 112 (11.8%) |
| Vacant Housing Units | 124 (13.1%) |
| Median Home Value | $185,714 |
| Average Home Value | $228,324 |
Housing Distribution
Address Breakdown
Residential
777
Single Family
753
Multi-Family
24
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices