430 E Vine StVicksburgMI49097
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 430 E Vine St, Vicksburg, MI, 49097 in Vicksburg: $2,177/mo in rent, $1,093/mo net, 15.89% gross yield, all on a $164,400 acquisition. The 2.95 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 $45,421 in value, and $1,514/yr in principal paydown steadily builds equity. Projected total cumulative return: $132,993.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.9% | 5.8% |
| Monthly Cash Flow | $1,093 | $450 |
City averages based on Vicksburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,177 |
| Total Monthly Debt Service | $1,019 |
| DSCR Ratio | 2.14x |
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 1920
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49097, Vicksburg, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,972 (100%) |
| Owner Occupied HU | 4,080 (82.1%) |
| Renter Occupied HU | 609 (12.2%) |
| Vacant Housing Units | 283 ( 5.7%) |
| Median Home Value | $304,244 |
| Average Home Value | $342,436 |
Housing Distribution
Address Breakdown
Residential
4,723
Single Family
4,568
Multi-Family
155
Businesses
243
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 1920
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49097, Vicksburg, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,972 (100%) |
| Owner Occupied HU | 4,080 (82.1%) |
| Renter Occupied HU | 609 (12.2%) |
| Vacant Housing Units | 283 ( 5.7%) |
| Median Home Value | $304,244 |
| Average Home Value | $342,436 |
Housing Distribution
Address Breakdown
Residential
4,723
Single Family
4,568
Multi-Family
155
Businesses
243
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices