3928 Clutier RdSaginawMI48601
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 3928 Clutier Rd, Saginaw, MI, 48601 in Saginaw hard to pass up. The 13.04% gross yield on a $129,000 purchase results in $1,402/mo in rent and $551/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.42). Annual cash flow of $6,611, five-year appreciation of $35,640, and $1,188/yr in equity build-up combine for a projected total cumulative return of $84,636.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13% | 9.0% |
| Monthly Cash Flow | $551 | $800 |
City averages based on Saginaw market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,402 |
| Total Monthly Debt Service | $799 |
| DSCR Ratio | 1.75x |
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 1971
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48601, Saginaw, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,402 (100%) |
| Owner Occupied HU | 8,506 (55.2%) |
| Renter Occupied HU | 5,002 (32.5%) |
| Vacant Housing Units | 1,894 (12.3%) |
| Median Home Value | $65,746 |
| Average Home Value | $116,940 |
Housing Distribution
Address Breakdown
Residential
14,222
Single Family
13,728
Multi-Family
494
Businesses
717
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 1971
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48601, Saginaw, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,402 (100%) |
| Owner Occupied HU | 8,506 (55.2%) |
| Renter Occupied HU | 5,002 (32.5%) |
| Vacant Housing Units | 1,894 (12.3%) |
| Median Home Value | $65,746 |
| Average Home Value | $116,940 |
Housing Distribution
Address Breakdown
Residential
14,222
Single Family
13,728
Multi-Family
494
Businesses
717
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices