4499 Onondaga RdOnondagaMI49264
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 4499 Onondaga Rd, Onondaga, MI, 49264 in Onondaga hard to pass up. The 11.95% gross yield on a $259,000 purchase results in $2,579/mo in rent and $871/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.10). Annual cash flow of $10,450, five-year appreciation of $71,557, and $2,171/yr in equity build-up combine for a projected total cumulative return of $149,836.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 5.6% |
| Monthly Cash Flow | $871 | $900 |
City averages based on Onondaga market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,579 |
| Total Monthly Debt Service | $1,668 |
| DSCR Ratio | 1.55x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1997
2.02 Acres lot
$N/A/sqft
No HOA
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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
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