8560 Schock RdMinden CityMI48456
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 8560 Schock Rd, Minden City, MI, 48456 in Minden City, $105,000, 9.62% gross yield, $150/mo net income. Consider it a market-entry position, the $842/mo rent covers the $472/mo payment with a margin, and 5%/yr appreciation is projected to add $29,010 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.78) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $49,659.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $150 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $842 |
| Total Monthly Debt Service | $651 |
| DSCR Ratio | 1.29x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48456, Minden City, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 424 (100%) |
| Owner Occupied HU | 298 (70.3%) |
| Renter Occupied HU | 39 ( 9.2%) |
| Vacant Housing Units | 87 (20.5%) |
| Median Home Value | $221,739 |
| Average Home Value | $284,908 |
Housing Distribution
Address Breakdown
Residential
286
Single Family
286
Multi-Family
0
Businesses
13
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48456, Minden City, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 424 (100%) |
| Owner Occupied HU | 298 (70.3%) |
| Renter Occupied HU | 39 ( 9.2%) |
| Vacant Housing Units | 87 (20.5%) |
| Median Home Value | $221,739 |
| Average Home Value | $284,908 |
Housing Distribution
Address Breakdown
Residential
286
Single Family
286
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jenny L Emming • Osentoski Realty
Mls Name: RMLS Multi-List
Mls ID: #040-25-0005