9092 S Ranger RdBaldwinMI49304
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 9092 S Ranger Rd, Baldwin, MI, 49304 in Baldwin fits: $365,000, 5.95% gross yield, and a projected 5% annual appreciation rate adding $100,843 in value within five years. Rental yield 5.95%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.10) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,362/yr in principal paydown and $100,843 in appreciation project a total return of $100,548.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 8.0% |
| Monthly Cash Flow | $(599) | $350 |
City averages based on Baldwin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,808 |
| Total Monthly Debt Service | $2,262 |
| DSCR Ratio | 0.80x |
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 1975
0.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49304, Baldwin, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,819 (100%) |
| Owner Occupied HU | 1,488 (25.6%) |
| Renter Occupied HU | 467 ( 8.0%) |
| Vacant Housing Units | 3,864 (66.4%) |
| Median Home Value | $141,453 |
| Average Home Value | $196,193 |
Housing Distribution
Address Breakdown
Residential
2,189
Single Family
2,003
Multi-Family
186
Businesses
159
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 1975
0.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49304, Baldwin, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,819 (100%) |
| Owner Occupied HU | 1,488 (25.6%) |
| Renter Occupied HU | 467 ( 8.0%) |
| Vacant Housing Units | 3,864 (66.4%) |
| Median Home Value | $141,453 |
| Average Home Value | $196,193 |
Housing Distribution
Address Breakdown
Residential
2,189
Single Family
2,003
Multi-Family
186
Businesses
159
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices