45573 Keding StUticaMI48317
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.5% yield at 45573 Keding St, Utica, MI, 48317 in Utica is solid, but the $1,484/mo payment compresses net cash flow to $163/mo at $330,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $91,173 by year five, and $3,039/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.58) without U.S. income documentation. Total projected return: $136,179.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $163 | $850 |
City averages based on Utica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,339 |
| Total Monthly Debt Service | $2,045 |
| DSCR Ratio | 1.14x |
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 1971
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48317, Utica, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,984 (100%) |
| Owner Occupied HU | 7,748 (59.7%) |
| Renter Occupied HU | 4,607 (35.5%) |
| Vacant Housing Units | 629 ( 4.8%) |
| Median Home Value | $291,026 |
| Average Home Value | $319,278 |
Housing Distribution
Address Breakdown
Residential
12,700
Single Family
12,052
Multi-Family
648
Businesses
950
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 1971
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48317, Utica, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,984 (100%) |
| Owner Occupied HU | 7,748 (59.7%) |
| Renter Occupied HU | 4,607 (35.5%) |
| Vacant Housing Units | 629 ( 4.8%) |
| Median Home Value | $291,026 |
| Average Home Value | $319,278 |
Housing Distribution
Address Breakdown
Residential
12,700
Single Family
12,052
Multi-Family
648
Businesses
950
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices