5503 White Spruce CtLindenMI48451
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 5503 White Spruce Ct, Linden, MI, 48451 in Linden achieves a 1.54 ratio at $395,000: $2,732/mo rent versus $1,776/mo debt service. Rental yield 8.3%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.3% yield compounds alongside 5% annual appreciation projecting $109,131 in value. Total projected cumulative return: $158,700.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 8.0% |
| Monthly Cash Flow | $(115) | $380 |
City averages based on Linden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,732 |
| Total Monthly Debt Service | $2,448 |
| DSCR Ratio | 1.12x |
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 2022
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48451, Linden, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,742 (100%) |
| Owner Occupied HU | 5,828 (86.4%) |
| Renter Occupied HU | 535 ( 7.9%) |
| Vacant Housing Units | 379 ( 5.6%) |
| Median Home Value | $300,495 |
| Average Home Value | $344,425 |
Housing Distribution
Address Breakdown
Residential
6,442
Single Family
6,442
Multi-Family
0
Businesses
260
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 2022
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48451, Linden, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,742 (100%) |
| Owner Occupied HU | 5,828 (86.4%) |
| Renter Occupied HU | 535 ( 7.9%) |
| Vacant Housing Units | 379 ( 5.6%) |
| Median Home Value | $300,495 |
| Average Home Value | $344,425 |
Housing Distribution
Address Breakdown
Residential
6,442
Single Family
6,442
Multi-Family
0
Businesses
260
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices