4895 W Birch LnPentwaterMI49449
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.03% yield at 4895 W Birch Ln, Pentwater, MI, 49449 in Pentwater is solid, but the $2,244/mo payment compresses net cash flow to $39/mo at $499,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $137,865 by year five, and $4,596/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.49) without U.S. income documentation. Total projected return: $193,079.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $39 | $500 |
City averages based on Pentwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,337 |
| Total Monthly Debt Service | $3,092 |
| DSCR Ratio | 1.08x |
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
5.83 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49449, Pentwater, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,698 (100%) |
| Owner Occupied HU | 1,193 (44.2%) |
| Renter Occupied HU | 132 ( 4.9%) |
| Vacant Housing Units | 1,373 (50.9%) |
| Median Home Value | $310,494 |
| Average Home Value | $372,414 |
Housing Distribution
Address Breakdown
Residential
1,433
Single Family
1,425
Multi-Family
8
Businesses
105
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
5.83 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49449, Pentwater, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,698 (100%) |
| Owner Occupied HU | 1,193 (44.2%) |
| Renter Occupied HU | 132 ( 4.9%) |
| Vacant Housing Units | 1,373 (50.9%) |
| Median Home Value | $310,494 |
| Average Home Value | $372,414 |
Housing Distribution
Address Breakdown
Residential
1,433
Single Family
1,425
Multi-Family
8
Businesses
105
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices