4770 Oak StCoralMI49322
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4770 Oak St, Coral, MI, 49322 in Coral is narrow, $197/mo net on $1,780/mo rent after the $1,079/mo debt service, but the property operates at break-even-plus, not a loss. At $240,000 with a 8.9% yield, the long-run equity case via 5% appreciation ($66,308 over five years) and $2,210/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.65 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $104,142.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $197 | $400 |
City averages based on Coral market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,780 |
| Total Monthly Debt Service | $1,487 |
| DSCR Ratio | 1.20x |
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 1930
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49322, Coral, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 531 (100%) |
| Owner Occupied HU | 378 (71.2%) |
| Renter Occupied HU | 52 ( 9.8%) |
| Vacant Housing Units | 101 (19.0%) |
| Median Home Value | $234,694 |
| Average Home Value | $227,057 |
Housing Distribution
Address Breakdown
Residential
465
Single Family
465
Multi-Family
0
Businesses
5
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 1930
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49322, Coral, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 531 (100%) |
| Owner Occupied HU | 378 (71.2%) |
| Renter Occupied HU | 52 ( 9.8%) |
| Vacant Housing Units | 101 (19.0%) |
| Median Home Value | $234,694 |
| Average Home Value | $227,057 |
Housing Distribution
Address Breakdown
Residential
465
Single Family
465
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices