4548 Lauren Lane StJosephMI49085
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4548 Lauren Lane St, Joseph, MI, 49085 in Joseph. Priced at $500,000, it generates $5,656/mo in gross rent and $2,358/mo in net monthly cash flow, a 13.57% yield that comfortably supports the 2.52 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $28,300. Five-year appreciation: $138,141. Equity from principal paydown: $4,605/yr. Total projected cumulative return: $342,267.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.6% | 6.1% |
| Monthly Cash Flow | $2,358 | $850 |
City averages based on Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,656 |
| Total Monthly Debt Service | $3,098 |
| DSCR Ratio | 1.83x |
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
0.37 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
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
0.37 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
