5432 E Michigan HwyRoscommonMI48653
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 5432 E Michigan Hwy, Roscommon, MI, 48653 in Roscommon at $284,900, 2.97% gross yield, is a market-growth asset. Rental yield 2.97%. The $704/mo rent partially funds the $1,281/mo debt service; the core return is the 5%/yr price growth projected to add $78,713 over five years. Ziffy Mortgage's DSCR mortgage (0.55) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $32,966.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.2% |
| Monthly Cash Flow | $(1,174) | $650 |
City averages based on Roscommon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $704 |
| Total Monthly Debt Service | $1,765 |
| DSCR Ratio | 0.40x |
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.
Single Family
Built in 1980
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48653, Roscommon, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,279 (100%) |
| Owner Occupied HU | 4,207 (40.9%) |
| Renter Occupied HU | 576 ( 5.6%) |
| Vacant Housing Units | 5,496 (53.5%) |
| Median Home Value | $191,323 |
| Average Home Value | $270,341 |
Housing Distribution
Address Breakdown
Residential
5,750
Single Family
5,638
Multi-Family
112
Businesses
285
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 1980
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48653, Roscommon, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,279 (100%) |
| Owner Occupied HU | 4,207 (40.9%) |
| Renter Occupied HU | 576 ( 5.6%) |
| Vacant Housing Units | 5,496 (53.5%) |
| Median Home Value | $191,323 |
| Average Home Value | $270,341 |
Housing Distribution
Address Breakdown
Residential
5,750
Single Family
5,638
Multi-Family
112
Businesses
285
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle E Millikin • Homewaters, L.L.C. Grayling
Mls Name: WWMLS
Mls Provider:
Mls ID: #201834747
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