8781 Clam Lake RdBellaireMI49615
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 8781 Clam Lake Rd, Bellaire, MI, 49615 in Bellaire worth study. Rental yield 2.81%. The 2.81% gross yield is below cash-flow benchmarks at $775,000, but 5% annual appreciation, adding $214,118 over five years, frames this as a capital growth position. Rent of $1,812/mo partially offsets the $3,485/mo payment. Ziffy Mortgage finances appreciation-play properties (0.52 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $82,962.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 6.0% |
| Monthly Cash Flow | $(3,299) | $800 |
City averages based on Bellaire market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,812 |
| Total Monthly Debt Service | $4,802 |
| DSCR Ratio | 0.38x |
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 1989
0.65 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 1989
0.65 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stephanie Koppe • REO-TCBellaire-233025
Mls Name: NGLRMLS
Mls Provider:
Mls ID: #1935338
Disclaimer: The information in this listing was gathered from third-party sources including the seller. Northern Great Lakes REALTORS MLS and its subscribers disclaim any and all representations or warranties as to the accuracy of this information. Copyright 2025 Northern Great Lakes REALTORS MLS. All Rights Reserved.