3737 S Maple Valley RdSuttons BayMI49682
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3737 S Maple Valley Rd, Suttons Bay, MI, 49682 in Suttons Bay. Priced at $499,900, it generates $5,920/mo in gross rent and $2,623/mo in net monthly cash flow, a 14.21% yield that comfortably supports the 2.63 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $31,476. Five-year appreciation: $138,113. Equity from principal paydown: $4,604/yr. Total projected cumulative return: $359,286.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.2% | 6.5% |
| Monthly Cash Flow | $2,623 | $450 |
City averages based on Suttons Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,920 |
| Total Monthly Debt Service | $3,098 |
| DSCR Ratio | 1.91x |
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 1999
2.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49682, Suttons Bay, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,387 (100%) |
| Owner Occupied HU | 1,544 (64.7%) |
| Renter Occupied HU | 236 ( 9.9%) |
| Vacant Housing Units | 607 (25.4%) |
| Median Home Value | $407,473 |
| Average Home Value | $470,285 |
Housing Distribution
Address Breakdown
Residential
1,900
Single Family
1,884
Multi-Family
16
Businesses
239
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 1999
2.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49682, Suttons Bay, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,387 (100%) |
| Owner Occupied HU | 1,544 (64.7%) |
| Renter Occupied HU | 236 ( 9.9%) |
| Vacant Housing Units | 607 (25.4%) |
| Median Home Value | $407,473 |
| Average Home Value | $470,285 |
Housing Distribution
Address Breakdown
Residential
1,900
Single Family
1,884
Multi-Family
16
Businesses
239
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices