4650 Cooley Lake RdCommerce TownshipMI48382
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 4650 Cooley Lake Rd, Commerce Township, MI, 48382 in Commerce Township delivers $3,682/mo in gross rent and $220/mo in net monthly income at a $524,900 entry. The 8.42% yield and 1.56 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $145,020 over five years and $4,834/yr in equity from loan paydown, total projected return is $214,171.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $220 | $850 |
City averages based on Commerce Township market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,682 |
| Total Monthly Debt Service | $3,253 |
| DSCR Ratio | 1.13x |
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 1995
1.72 Acres lot
$N/A/sqft
No HOA
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 1995
1.72 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: April L Rasky • National Realty Centers, Inc
Mls Name: Realcomp II
Mls ID: #20251027914