5491 W Esmond RdHaleMI48739
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 5491 W Esmond Rd, Hale, MI, 48739 in Hale speaks for itself: 11.77% gross on a $160,000 price, generating $1,570/mo in rent and $514/mo in net income after the $719/mo debt service. DSCR 2.18, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,174 stacks alongside $44,205 in projected five-year appreciation and $1,474/yr in principal reduction. Projected total cumulative return: $94,120.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 8.5% |
| Monthly Cash Flow | $514 | $450 |
City averages based on Hale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,570 |
| Total Monthly Debt Service | $991 |
| DSCR Ratio | 1.58x |
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 1970
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48739, Hale, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,225 (100%) |
| Owner Occupied HU | 1,619 (38.3%) |
| Renter Occupied HU | 205 ( 4.9%) |
| Vacant Housing Units | 2,401 (56.8%) |
| Median Home Value | $188,876 |
| Average Home Value | $215,741 |
Housing Distribution
Address Breakdown
Residential
2,212
Single Family
2,212
Multi-Family
0
Businesses
111
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 1970
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48739, Hale, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,225 (100%) |
| Owner Occupied HU | 1,619 (38.3%) |
| Renter Occupied HU | 205 ( 4.9%) |
| Vacant Housing Units | 2,401 (56.8%) |
| Median Home Value | $188,876 |
| Average Home Value | $215,741 |
Housing Distribution
Address Breakdown
Residential
2,212
Single Family
2,212
Multi-Family
0
Businesses
111
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices