7655 Cottage DrBellaireMI49615
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 7655 Cottage Dr, Bellaire, MI, 49615 in Bellaire fits: $1,250,000, 2.63% gross yield, and a projected 5% annual appreciation rate adding $345,352 in value within five years. Rental yield 2.63%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.49) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $11,513/yr in principal paydown and $345,352 in appreciation project a total return of $122,275.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.0% |
| Monthly Cash Flow | $(5,499) | $800 |
City averages based on Bellaire market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,744 |
| Total Monthly Debt Service | $7,746 |
| DSCR Ratio | 0.35x |
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 1998
2.74 Acres lot
$N/A/sqft
No HOA
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 1998
2.74 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices