445 Orchard StConstantineMI49042
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 445 Orchard St, Constantine, MI, 49042 in Constantine. Priced at $272,000, it generates $3,115/mo in gross rent and $1,322/mo in net monthly cash flow, a 13.74% yield that comfortably supports the 2.55 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $15,858. Five-year appreciation: $75,149. Equity from principal paydown: $2,505/yr. Total projected cumulative return: $188,678.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.7% | 7.2% |
| Monthly Cash Flow | $1,322 | $320 |
City averages based on Constantine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,115 |
| Total Monthly Debt Service | $1,685 |
| DSCR Ratio | 1.85x |
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 2022
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49042, Constantine, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,007 (100%) |
| Owner Occupied HU | 1,521 (75.8%) |
| Renter Occupied HU | 321 (16.0%) |
| Vacant Housing Units | 165 ( 8.2%) |
| Median Home Value | $169,756 |
| Average Home Value | $200,357 |
Housing Distribution
Address Breakdown
Residential
1,916
Single Family
1,829
Multi-Family
87
Businesses
106
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 2022
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49042, Constantine, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,007 (100%) |
| Owner Occupied HU | 1,521 (75.8%) |
| Renter Occupied HU | 321 (16.0%) |
| Vacant Housing Units | 165 ( 8.2%) |
| Median Home Value | $169,756 |
| Average Home Value | $200,357 |
Housing Distribution
Address Breakdown
Residential
1,916
Single Family
1,829
Multi-Family
87
Businesses
106
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Josh Nagy • Berkshire Hathaway HomeServices Michigan Real Estate
Mls Name: MichRIC
Mls Provider:
Mls ID: #25021333
Disclaimer: Information is deemed reliable but not guaranteed. Copyright 2025 MichRIC, LLC. All rights reserved.