7100 Russell StGeneseeMI48437
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 7100 Russell St, Genesee, MI, 48437 in Genesee is narrow, $182/mo net on $1,270/mo rent after the $741/mo debt service, but the property operates at break-even-plus, not a loss. At $164,900 with a 9.24% yield, the long-run equity case via 5% appreciation ($45,559 over five years) and $1,519/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $74,597.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 8.0% |
| Monthly Cash Flow | $182 | $300 |
City averages based on Genesee market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,270 |
| Total Monthly Debt Service | $1,022 |
| DSCR Ratio | 1.24x |
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 1935
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48437, Genesee, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 331 (100%) |
| Owner Occupied HU | 252 (76.1%) |
| Renter Occupied HU | 54 (16.3%) |
| Vacant Housing Units | 25 ( 7.6%) |
| Median Home Value | $168,229 |
| Average Home Value | $180,933 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
43
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 1935
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48437, Genesee, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 331 (100%) |
| Owner Occupied HU | 252 (76.1%) |
| Renter Occupied HU | 54 (16.3%) |
| Vacant Housing Units | 25 ( 7.6%) |
| Median Home Value | $168,229 |
| Average Home Value | $180,933 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices