4612 Smith RdKimballMI48074
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 4612 Smith Rd, Kimball, MI, 48074 in Kimball offers a clean, manageable entry. Rental yield 7.71%. DSCR 1.43 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $68,794 in additional property value over five years, with $2,293/yr in principal equity building ownership stake. Total projected cumulative return: $92,145.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 9.5% |
| Monthly Cash Flow | $(42) | $850 |
City averages based on Kimball market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,600 |
| Total Monthly Debt Service | $1,543 |
| DSCR Ratio | 1.04x |
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 1985
1.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48074, Smiths Creek, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,000 (100%) |
| Owner Occupied HU | 3,330 (83.2%) |
| Renter Occupied HU | 461 (11.5%) |
| Vacant Housing Units | 209 ( 5.2%) |
| Median Home Value | $225,147 |
| Average Home Value | $291,718 |
Housing Distribution
Address Breakdown
Residential
3,932
Single Family
3,931
Multi-Family
1
Businesses
197
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 1985
1.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48074, Smiths Creek, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,000 (100%) |
| Owner Occupied HU | 3,330 (83.2%) |
| Renter Occupied HU | 461 (11.5%) |
| Vacant Housing Units | 209 ( 5.2%) |
| Median Home Value | $225,147 |
| Average Home Value | $291,718 |
Housing Distribution
Address Breakdown
Residential
3,932
Single Family
3,931
Multi-Family
1
Businesses
197
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices