80 Vineyard AveBattle CreekMI49037
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 80 Vineyard Ave, Battle Creek, MI, 49037 in Battle Creek is listed at $115,000 and delivers $1,138/mo in rent and $380/mo in net monthly cash flow. The 11.87% yield and 2.20 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $31,772 over five years, and $1,059/yr in principal reduction supplements cash return. Total projected cumulative return: $68,279.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 8.2% |
| Monthly Cash Flow | $380 | $450 |
City averages based on Battle Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,138 |
| Total Monthly Debt Service | $713 |
| DSCR Ratio | 1.60x |
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 1940
10,454 sqft 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 1940
10,454 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Steve D Mattingly • Five Star Real Estate
Mls Name: MichRIC
Mls ID: #25061001