640 S Oak AveWhite CloudMI49349
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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
Investment Highlights
Investment property for sale in White Cloud at 640 S Oak Ave, White Cloud, MI, 49349 listed at $455,000 pairs $2,310/mo rent with a $2,227/mo payment. Total monthly income runs $2,310/mo. Return on cash invested measures 14.42% in year one, and rental yield registers 6.09% at a $455,000 basis. Equity gained on principal adds $2,936/yr, and annual property appreciation at 5% supports $125,708 by year five. Five-year ROI tracks 73.93% and total cumulative return in cash totals $111,508. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $2,310/mo property income relative to a $2,227/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).
Single Family
Built in 1955
28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49349, White Cloud, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,334 (100%) |
| Owner Occupied HU | 2,768 (63.9%) |
| Renter Occupied HU | 512 (11.8%) |
| Vacant Housing Units | 1,054 (24.3%) |
| Median Home Value | $179,401 |
| Average Home Value | $243,816 |
Housing Distribution
Address Breakdown
Residential
3,390
Single Family
3,303
Multi-Family
87
Businesses
131
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Listed by: Mary E MacKercher • Coldwell Banker AJS (Sparta)
Mls Name: MichRIC
Mls Provider:
Mls ID: #25012606
Disclaimer: Information is deemed reliable but not guaranteed. Copyright 2025 MichRIC, LLC. All rights reserved.