4654 King RdSaginawMI48601
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4654 King Rd, Saginaw, MI, 48601 in Saginaw at $109,000 earns $861/mo in rent and nets $142/mo after the $490/mo payment, a 9.48% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,115 over five years. Ziffy Mortgage underwrites this on a 1.76 DSCR without U.S. credit history. With $1,004/yr in principal paydown, total projected return reaches $50,697.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 9.0% |
| Monthly Cash Flow | $142 | $800 |
City averages based on Saginaw market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $861 |
| Total Monthly Debt Service | $675 |
| DSCR Ratio | 1.27x |
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 1960
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48601, Saginaw, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,402 (100%) |
| Owner Occupied HU | 8,506 (55.2%) |
| Renter Occupied HU | 5,002 (32.5%) |
| Vacant Housing Units | 1,894 (12.3%) |
| Median Home Value | $65,746 |
| Average Home Value | $116,940 |
Housing Distribution
Address Breakdown
Residential
14,222
Single Family
13,728
Multi-Family
494
Businesses
717
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 1960
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48601, Saginaw, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,402 (100%) |
| Owner Occupied HU | 8,506 (55.2%) |
| Renter Occupied HU | 5,002 (32.5%) |
| Vacant Housing Units | 1,894 (12.3%) |
| Median Home Value | $65,746 |
| Average Home Value | $116,940 |
Housing Distribution
Address Breakdown
Residential
14,222
Single Family
13,728
Multi-Family
494
Businesses
717
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices