3811 Isabella StMidlandMI48640
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 3811 Isabella St, Midland, MI, 48640 in Midland: $1,985/mo in rent, $1,161/mo net, 19.07% gross yield, all on a $124,900 acquisition. The 3.53 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $34,508 in value, and $1,150/yr in principal paydown steadily builds equity. Projected total cumulative return: $122,302.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.1% | 6.5% |
| Monthly Cash Flow | $1,161 | $400 |
City averages based on Midland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,985 |
| Total Monthly Debt Service | $774 |
| DSCR Ratio | 2.56x |
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.
Manufactured
Built in 2000
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48640, Midland, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,874 (100%) |
| Owner Occupied HU | 10,179 (73.4%) |
| Renter Occupied HU | 2,982 (21.5%) |
| Vacant Housing Units | 713 ( 5.1%) |
| Median Home Value | $218,735 |
| Average Home Value | $255,286 |
Housing Distribution
Address Breakdown
Residential
13,764
Single Family
13,044
Multi-Family
720
Businesses
1,076
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
Manufactured
Built in 2000
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48640, Midland, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,874 (100%) |
| Owner Occupied HU | 10,179 (73.4%) |
| Renter Occupied HU | 2,982 (21.5%) |
| Vacant Housing Units | 713 ( 5.1%) |
| Median Home Value | $218,735 |
| Average Home Value | $255,286 |
Housing Distribution
Address Breakdown
Residential
13,764
Single Family
13,044
Multi-Family
720
Businesses
1,076
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gwen Breault • Ayre Rhinehart Real Estate Partners
Mls Name: MIDMLS
Mls Provider:
Mls ID: #50181589
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.