9947 Oak StMontgomeryMI49255
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 9947 Oak St, Montgomery, MI, 49255 in Montgomery. Rental yield 6.02%. The 1.12 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $69,043 and $2,302/yr in principal reduction project total return of $69,869.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.5% |
| Monthly Cash Flow | $(394) | $450 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,254 |
| Total Monthly Debt Service | $1,549 |
| DSCR Ratio | 0.81x |
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 1960
9,583 sqft 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 1960
9,583 sqft 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