5190 Pebblestone LnSaginawMI48603
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 5190 Pebblestone Ln, Saginaw, MI, 48603 in Saginaw hard to pass up. The 12.78% gross yield on a $510,000 purchase results in $5,434/mo in rent and $2,066/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.37). Annual cash flow of $24,795, five-year appreciation of $140,904, and $4,697/yr in equity build-up combine for a projected total cumulative return of $327,311.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.8% | 9.0% |
| Monthly Cash Flow | $2,066 | $800 |
City averages based on Saginaw market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,434 |
| Total Monthly Debt Service | $3,164 |
| DSCR Ratio | 1.72x |
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 2021
0.29 Acres lot
$N/A/sqft
$50 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48603, Saginaw, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,279 (100%) |
| Owner Occupied HU | 8,422 (63.4%) |
| Renter Occupied HU | 4,095 (30.8%) |
| Vacant Housing Units | 762 ( 5.7%) |
| Median Home Value | $207,602 |
| Average Home Value | $239,030 |
Housing Distribution
Address Breakdown
Residential
13,098
Single Family
10,560
Multi-Family
2,538
Businesses
934
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 2021
0.29 Acres lot
$N/A/sqft
$50 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48603, Saginaw, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,279 (100%) |
| Owner Occupied HU | 8,422 (63.4%) |
| Renter Occupied HU | 4,095 (30.8%) |
| Vacant Housing Units | 762 ( 5.7%) |
| Median Home Value | $207,602 |
| Average Home Value | $239,030 |
Housing Distribution
Address Breakdown
Residential
13,098
Single Family
10,560
Multi-Family
2,538
Businesses
934
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices