4826 N Cross Over Dr #20BellaireMI49615
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 4826 N Cross Over Dr #20, Bellaire, MI, 49615 in Bellaire is the 1.72 coverage ratio: rent of $1,582/mo versus a $922/mo debt payment on a $205,000 property. Rental yield 9.26%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $56,638 by year five, with $1,888/yr in equity from paydown. Total projected cumulative return: $67,293.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $(197) | $800 |
City averages based on Bellaire market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,582 |
| Total Monthly Debt Service | $1,697 |
| DSCR Ratio | 0.93x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Condo
Built in 1981
N/A lot
$N/A/sqft
$5,124 annually 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
Condo
Built in 1981
N/A lot
$N/A/sqft
$5,124 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Scott Bicknell • Vacation Prop Network-Bellaire
Mls Name: NGLRMLS
Mls Provider:
Mls ID: #1936054
Disclaimer: The information in this listing was gathered from third-party sources including the seller. Northern Great Lakes REALTORS MLS and its subscribers disclaim any and all representations or warranties as to the accuracy of this information. Copyright 2025 Northern Great Lakes REALTORS MLS. All Rights Reserved.