The Pentwater II Plan, RiverbendBelmontMI49306
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.88% gross rental yield, The Pentwater II Plan, Riverbend, Belmont, MI, 49306 in Belmont is priced for capital growth, not immediate cash flow. The $371,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $102,500 by year five, with $3,417/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.72) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $61,155.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 5.5% |
| Monthly Cash Flow | $(1,247) | $700 |
City averages based on Belmont market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $2,299 |
| DSCR Ratio | 0.52x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49306, Belmont, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,241 (100%) |
| Owner Occupied HU | 4,025 (94.9%) |
| Renter Occupied HU | 148 ( 3.5%) |
| Vacant Housing Units | 68 ( 1.6%) |
| Median Home Value | $387,841 |
| Average Home Value | $428,439 |
Housing Distribution
Address Breakdown
Residential
4,105
Single Family
4,035
Multi-Family
70
Businesses
232
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
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 49306, Belmont, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,241 (100%) |
| Owner Occupied HU | 4,025 (94.9%) |
| Renter Occupied HU | 148 ( 3.5%) |
| Vacant Housing Units | 68 ( 1.6%) |
| Median Home Value | $387,841 |
| Average Home Value | $428,439 |
Housing Distribution
Address Breakdown
Residential
4,105
Single Family
4,035
Multi-Family
70
Businesses
232
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
