4260 Kent RdRoyal OakMI48073
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 4260 Kent Rd, Royal Oak, MI, 48073 in Royal Oak: $5,038/mo in rent, $323/mo in net income, 8.46% gross yield, 1.57 DSCR, all at $714,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $197,514 in appreciation and $6,584/yr in principal paydown projects total cumulative return of $293,146.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.0% |
| Monthly Cash Flow | $323 | $1,200 |
City averages based on Royal Oak market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,038 |
| Total Monthly Debt Service | $4,430 |
| DSCR Ratio | 1.14x |
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 2019
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48073, Royal Oak, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,816 (100%) |
| Owner Occupied HU | 12,016 (67.4%) |
| Renter Occupied HU | 4,989 (28.0%) |
| Vacant Housing Units | 811 ( 4.6%) |
| Median Home Value | $342,688 |
| Average Home Value | $386,290 |
Housing Distribution
Address Breakdown
Residential
17,601
Single Family
14,484
Multi-Family
3,117
Businesses
671
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 2019
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48073, Royal Oak, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,816 (100%) |
| Owner Occupied HU | 12,016 (67.4%) |
| Renter Occupied HU | 4,989 (28.0%) |
| Vacant Housing Units | 811 ( 4.6%) |
| Median Home Value | $342,688 |
| Average Home Value | $386,290 |
Housing Distribution
Address Breakdown
Residential
17,601
Single Family
14,484
Multi-Family
3,117
Businesses
671
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices