9727 W Camden RdMontgomeryMI49255
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play9727 W Camden Rd, Montgomery, MI, 49255 in Montgomery is priced for appreciation, not yield. Rental yield 5.81%. At $424,900 with a 5.81% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $117,392 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.08) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $113,846.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.5% |
| Monthly Cash Flow | $(746) | $450 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,056 |
| Total Monthly Debt Service | $2,633 |
| DSCR Ratio | 0.78x |
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 1965
1.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49255, Montgomery, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 808 (100%) |
| Owner Occupied HU | 544 (67.3%) |
| Renter Occupied HU | 103 (12.7%) |
| Vacant Housing Units | 161 (19.9%) |
| Median Home Value | $197,297 |
| Average Home Value | $275,524 |
Housing Distribution
Address Breakdown
Residential
662
Single Family
662
Multi-Family
0
Businesses
8
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 1965
1.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49255, Montgomery, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 808 (100%) |
| Owner Occupied HU | 544 (67.3%) |
| Renter Occupied HU | 103 (12.7%) |
| Vacant Housing Units | 161 (19.9%) |
| Median Home Value | $197,297 |
| Average Home Value | $275,524 |
Housing Distribution
Address Breakdown
Residential
662
Single Family
662
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Darin W Spieth • Spieth & Satow Auctions & Real Estate
Mls Name: MichRIC
Mls Provider:
Mls ID: #24062126
Disclaimer: Information is deemed reliable but not guaranteed. Copyright 2025 MichRIC, LLC. All rights reserved.