5686 W Timberview TrlEmpireMI49630
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 5686 W Timberview Trl, Empire, MI, 49630 in Empire at $750,000, 5.59% gross yield, is a market-growth asset. Rental yield 5.59%. The $3,494/mo rent partially funds the $3,372/mo debt service; the core return is the 5%/yr price growth projected to add $207,211 over five years. Ziffy Mortgage's DSCR mortgage (1.04) 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: $192,292.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(1,476) | $800 |
City averages based on Empire market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,494 |
| Total Monthly Debt Service | $4,647 |
| DSCR Ratio | 0.75x |
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 2026
1.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49630, Empire, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,334 (100%) |
| Owner Occupied HU | 639 (47.9%) |
| Renter Occupied HU | 62 ( 4.6%) |
| Vacant Housing Units | 633 (47.5%) |
| Median Home Value | $446,333 |
| Average Home Value | $573,091 |
Housing Distribution
Address Breakdown
Residential
727
Single Family
727
Multi-Family
0
Businesses
76
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 2026
1.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49630, Empire, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,334 (100%) |
| Owner Occupied HU | 639 (47.9%) |
| Renter Occupied HU | 62 ( 4.6%) |
| Vacant Housing Units | 633 (47.5%) |
| Median Home Value | $446,333 |
| Average Home Value | $573,091 |
Housing Distribution
Address Breakdown
Residential
727
Single Family
727
Multi-Family
0
Businesses
76
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices