50 Wayne StPontiacMI48342
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 50 Wayne St, Pontiac, MI, 48342 in Pontiac worth study. Rental yield 1.1%. The 1.1% gross yield is below cash-flow benchmarks at $1,780,000, but 5% annual appreciation, adding $491,781 over five years, frames this as a capital growth position. Rent of $1,628/mo partially offsets the $8,004/mo payment. Ziffy Mortgage finances appreciation-play properties (0.20 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $27,466.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.1% | 7.5% |
| Monthly Cash Flow | $(10,110) | $800 |
City averages based on Pontiac market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,628 |
| Total Monthly Debt Service | $11,030 |
| DSCR Ratio | 0.15x |
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.
Multi Family
Built in 1920
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48342, Pontiac, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,410 (100%) |
| Owner Occupied HU | 3,374 (40.1%) |
| Renter Occupied HU | 4,344 (51.7%) |
| Vacant Housing Units | 692 ( 8.2%) |
| Median Home Value | $85,725 |
| Average Home Value | $154,378 |
Housing Distribution
Address Breakdown
Residential
7,253
Single Family
6,421
Multi-Family
832
Businesses
575
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
Multi Family
Built in 1920
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48342, Pontiac, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,410 (100%) |
| Owner Occupied HU | 3,374 (40.1%) |
| Renter Occupied HU | 4,344 (51.7%) |
| Vacant Housing Units | 692 ( 8.2%) |
| Median Home Value | $85,725 |
| Average Home Value | $154,378 |
Housing Distribution
Address Breakdown
Residential
7,253
Single Family
6,421
Multi-Family
832
Businesses
575
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices