4103 Debbie LnKalamazooMI49006
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4103 Debbie Ln, Kalamazoo, MI, 49006 in Kalamazoo speaks for itself: 18.85% gross on a $114,600 price, generating $1,800/mo in rent and $1,044/mo in net income after the $515/mo debt service. DSCR 3.50, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $12,531 stacks alongside $31,662 in projected five-year appreciation and $1,055/yr in principal reduction. Projected total cumulative return: $110,928.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.9% | 7.8% |
| Monthly Cash Flow | $1,044 | $450 |
City averages based on Kalamazoo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,800 |
| Total Monthly Debt Service | $710 |
| DSCR Ratio | 2.53x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49006, Kalamazoo, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,788 (100%) |
| Owner Occupied HU | 4,353 (36.9%) |
| Renter Occupied HU | 6,674 (56.6%) |
| Vacant Housing Units | 761 ( 6.5%) |
| Median Home Value | $219,715 |
| Average Home Value | $244,522 |
Housing Distribution
Address Breakdown
Residential
11,194
Single Family
8,650
Multi-Family
2,544
Businesses
381
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49006, Kalamazoo, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,788 (100%) |
| Owner Occupied HU | 4,353 (36.9%) |
| Renter Occupied HU | 6,674 (56.6%) |
| Vacant Housing Units | 761 ( 6.5%) |
| Median Home Value | $219,715 |
| Average Home Value | $244,522 |
Housing Distribution
Address Breakdown
Residential
11,194
Single Family
8,650
Multi-Family
2,544
Businesses
381
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices