4650 Franklin StUblyMI48475
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4650 Franklin St, Ubly, MI, 48475 in Ubly speaks for itself: 18.65% gross on a $158,900 price, generating $2,470/mo in rent and $1,422/mo in net income after the $715/mo debt service. DSCR 3.45, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $17,061 stacks alongside $43,901 in projected five-year appreciation and $1,463/yr in principal reduction. Projected total cumulative return: $152,019.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.7% | 7.9% |
| Monthly Cash Flow | $1,422 | $600 |
City averages based on Ubly market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,470 |
| Total Monthly Debt Service | $985 |
| DSCR Ratio | 2.51x |
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 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48475, Ubly, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,107 (100%) |
| Owner Occupied HU | 855 (77.2%) |
| Renter Occupied HU | 158 (14.3%) |
| Vacant Housing Units | 94 ( 8.5%) |
| Median Home Value | $177,500 |
| Average Home Value | $219,953 |
Housing Distribution
Address Breakdown
Residential
1,044
Single Family
1,028
Multi-Family
16
Businesses
62
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 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48475, Ubly, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,107 (100%) |
| Owner Occupied HU | 855 (77.2%) |
| Renter Occupied HU | 158 (14.3%) |
| Vacant Housing Units | 94 ( 8.5%) |
| Median Home Value | $177,500 |
| Average Home Value | $219,953 |
Housing Distribution
Address Breakdown
Residential
1,044
Single Family
1,028
Multi-Family
16
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices