490 White Willow Dr #490FlintMI48506
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 490 White Willow Dr #490, Flint, MI, 48506 in Flint is narrow, $111/mo net on $830/mo rent after the $490/mo debt service, but the property operates at break-even-plus, not a loss. At $108,995 with a 9.14% yield, the long-run equity case via 5% appreciation ($30,113 over five years) and $1,004/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $48,691.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 8.2% |
| Monthly Cash Flow | $111 | $150 |
City averages based on Flint market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $830 |
| Total Monthly Debt Service | $675 |
| DSCR Ratio | 1.23x |
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.
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48506, Flint, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,408 (100%) |
| Owner Occupied HU | 7,244 (63.5%) |
| Renter Occupied HU | 2,972 (26.1%) |
| Vacant Housing Units | 1,192 (10.4%) |
| Median Home Value | $102,875 |
| Average Home Value | $144,651 |
Housing Distribution
Address Breakdown
Residential
10,359
Single Family
8,854
Multi-Family
1,505
Businesses
408
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
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48506, Flint, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,408 (100%) |
| Owner Occupied HU | 7,244 (63.5%) |
| Renter Occupied HU | 2,972 (26.1%) |
| Vacant Housing Units | 1,192 (10.4%) |
| Median Home Value | $102,875 |
| Average Home Value | $144,651 |
Housing Distribution
Address Breakdown
Residential
10,359
Single Family
8,854
Multi-Family
1,505
Businesses
408
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
