4489 Rachel LnSaint JosephMI49085
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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
Investment Highlights
Investment property for sale in Saint Joseph at 4489 Rachel Ln, Saint Joseph, MI, 49085 with 5% annual appreciation on a $380,000 basis while $2,700/mo rent supports operations. Total monthly income totals $2,700/mo and a $1,860/mo payment preserves $194/mo for cash returns. Annual cash flow comes to $2,328/yr on $125,970 deployed, and return on cash invested reaches 21.76% in year one. Equity gained on principal adds $2,452/yr, and five-year appreciation sums $104,987 alongside rental yield of 8.53%. Five-year ROI measures 113.28% and total cumulative return in cash totals $142,693.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $2,700/mo property income versus a $1,860/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 2005
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49085, Saint Joseph, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,734 (100%) |
| Owner Occupied HU | 8,123 (69.2%) |
| Renter Occupied HU | 2,388 (20.4%) |
| Vacant Housing Units | 1,223 (10.4%) |
| Median Home Value | $316,036 |
| Average Home Value | $368,464 |
Housing Distribution
Address Breakdown
Residential
11,303
Single Family
10,112
Multi-Family
1,191
Businesses
1,141
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Listed by: Jamie Kastelic • @properties Christie's International R.E.
Mls Name: MichRIC
Mls Provider:
Mls ID: #25007444
Disclaimer: Information is deemed reliable but not guaranteed. Copyright 2025 MichRIC, LLC. All rights reserved.