626 Academy StPortlandMI48875
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 626 Academy St, Portland, MI, 48875 in Portland speaks for itself: 13.06% gross on a $220,000 price, generating $2,394/mo in rent and $943/mo in net income after the $989/mo debt service. DSCR 2.42, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,319 stacks alongside $60,782 in projected five-year appreciation and $2,026/yr in principal reduction. Projected total cumulative return: $144,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.1% | 7.0% |
| Monthly Cash Flow | $943 | $250 |
City averages based on Portland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,394 |
| Total Monthly Debt Service | $1,363 |
| DSCR Ratio | 1.76x |
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 1924
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48875, Portland, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,401 (100%) |
| Owner Occupied HU | 3,418 (77.7%) |
| Renter Occupied HU | 820 (18.6%) |
| Vacant Housing Units | 163 ( 3.7%) |
| Median Home Value | $251,125 |
| Average Home Value | $277,849 |
Housing Distribution
Address Breakdown
Residential
4,375
Single Family
4,065
Multi-Family
310
Businesses
251
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 1924
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48875, Portland, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,401 (100%) |
| Owner Occupied HU | 3,418 (77.7%) |
| Renter Occupied HU | 820 (18.6%) |
| Vacant Housing Units | 163 ( 3.7%) |
| Median Home Value | $251,125 |
| Average Home Value | $277,849 |
Housing Distribution
Address Breakdown
Residential
4,375
Single Family
4,065
Multi-Family
310
Businesses
251
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
