7756 Cottonwood StRichlandMI49083
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 7756 Cottonwood St, Richland, MI, 49083 in Richland at $444,900. Rental yield 7.39%. The 7.39% yield and 1.37 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $122,918 by year five, and $4,098/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $156,990.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.5% |
| Monthly Cash Flow | $(194) | $400 |
City averages based on Richland market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,740 |
| Total Monthly Debt Service | $2,757 |
| DSCR Ratio | 0.99x |
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 1990
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49083, Richland, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,673 (100%) |
| Owner Occupied HU | 2,924 (79.6%) |
| Renter Occupied HU | 443 (12.1%) |
| Vacant Housing Units | 306 ( 8.3%) |
| Median Home Value | $365,950 |
| Average Home Value | $516,858 |
Housing Distribution
Address Breakdown
Residential
3,380
Single Family
3,296
Multi-Family
84
Businesses
281
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 1990
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49083, Richland, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,673 (100%) |
| Owner Occupied HU | 2,924 (79.6%) |
| Renter Occupied HU | 443 (12.1%) |
| Vacant Housing Units | 306 ( 8.3%) |
| Median Home Value | $365,950 |
| Average Home Value | $516,858 |
Housing Distribution
Address Breakdown
Residential
3,380
Single Family
3,296
Multi-Family
84
Businesses
281
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices