521 Winter AveBig RapidsMI49307
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow521 Winter Ave, Big Rapids, MI, 49307 in Big Rapids earns its strong cash-flow label: 14.13% yield, $2,636/mo rent, $1,160/mo net income, DSCR 2.62. The $223,875 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $61,853 by year five. Combined with $2,062/yr in principal paydown, total projected return reaches $159,927.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.1% | 6.0% |
| Monthly Cash Flow | $1,160 | $750 |
City averages based on Big Rapids market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,636 |
| Total Monthly Debt Service | $1,387 |
| DSCR Ratio | 1.90x |
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 1948
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49307, Big Rapids, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,216 (100%) |
| Owner Occupied HU | 4,118 (50.1%) |
| Renter Occupied HU | 2,716 (33.1%) |
| Vacant Housing Units | 1,382 (16.8%) |
| Median Home Value | $182,919 |
| Average Home Value | $215,984 |
Housing Distribution
Address Breakdown
Residential
8,009
Single Family
7,243
Multi-Family
766
Businesses
704
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 1948
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49307, Big Rapids, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,216 (100%) |
| Owner Occupied HU | 4,118 (50.1%) |
| Renter Occupied HU | 2,716 (33.1%) |
| Vacant Housing Units | 1,382 (16.8%) |
| Median Home Value | $182,919 |
| Average Home Value | $215,984 |
Housing Distribution
Address Breakdown
Residential
8,009
Single Family
7,243
Multi-Family
766
Businesses
704
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Connor J Pilmore • Five Star Real Estate (Main)
Mls Name: MichRIC
Mls Provider:
Mls ID: #25019306
Disclaimer: Information is deemed reliable but not guaranteed. Copyright 2025 MichRIC, LLC. All rights reserved.