6416 Shady Lane DrDeckervilleMI48427
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 6416 Shady Lane Dr, Deckerville, MI, 48427 in Deckerville is capital appreciation. Rental yield 4.08%. The 4.08% gross yield at $379,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $104,959 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.76) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $66,333.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.0% |
| Monthly Cash Flow | $(1,219) | $450 |
City averages based on Deckerville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,291 |
| Total Monthly Debt Service | $2,359 |
| DSCR Ratio | 0.55x |
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 N/A
9,147 sqft lot
$N/A/sqft
$60 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48427, Deckerville, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,536 (100%) |
| Owner Occupied HU | 869 (56.6%) |
| Renter Occupied HU | 202 (13.2%) |
| Vacant Housing Units | 465 (30.3%) |
| Median Home Value | $174,668 |
| Average Home Value | $254,324 |
Housing Distribution
Address Breakdown
Residential
1,229
Single Family
1,229
Multi-Family
0
Businesses
84
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 N/A
9,147 sqft lot
$N/A/sqft
$60 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48427, Deckerville, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,536 (100%) |
| Owner Occupied HU | 869 (56.6%) |
| Renter Occupied HU | 202 (13.2%) |
| Vacant Housing Units | 465 (30.3%) |
| Median Home Value | $174,668 |
| Average Home Value | $254,324 |
Housing Distribution
Address Breakdown
Residential
1,229
Single Family
1,229
Multi-Family
0
Businesses
84
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices