9110 Jay R StWhitmore LakeMI48189
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 9110 Jay R St, Whitmore Lake, MI, 48189 in Whitmore Lake. Priced at $145,000, it generates $1,826/mo in gross rent and $870/mo in net monthly cash flow, a 15.12% yield that comfortably supports the 2.80 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,442. Five-year appreciation: $40,061. Equity from principal paydown: $1,335/yr. Total projected cumulative return: $111,238.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.1% | 7.2% |
| Monthly Cash Flow | $870 | $350 |
City averages based on Whitmore Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,826 |
| Total Monthly Debt Service | $899 |
| DSCR Ratio | 2.03x |
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 1962
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48189, Whitmore Lake, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,666 (100%) |
| Owner Occupied HU | 5,337 (80.1%) |
| Renter Occupied HU | 939 (14.1%) |
| Vacant Housing Units | 390 ( 5.9%) |
| Median Home Value | $360,856 |
| Average Home Value | $377,297 |
Housing Distribution
Address Breakdown
Residential
5,800
Single Family
5,800
Multi-Family
0
Businesses
312
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 1962
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48189, Whitmore Lake, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,666 (100%) |
| Owner Occupied HU | 5,337 (80.1%) |
| Renter Occupied HU | 939 (14.1%) |
| Vacant Housing Units | 390 ( 5.9%) |
| Median Home Value | $360,856 |
| Average Home Value | $377,297 |
Housing Distribution
Address Breakdown
Residential
5,800
Single Family
5,800
Multi-Family
0
Businesses
312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices