1890 James StUblyMI48475
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1890 James St, Ubly, MI, 48475 in Ubly speaks for itself: 11.56% gross on a $265,000 price, generating $2,552/mo in rent and $805/mo in net income after the $1,192/mo debt service. DSCR 2.14, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,658 stacks alongside $73,215 in projected five-year appreciation and $2,441/yr in principal reduction. Projected total cumulative return: $152,707.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $805 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,552 |
| Total Monthly Debt Service | $1,642 |
| DSCR Ratio | 1.55x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48475, Ubly, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,107 (100%) |
| Owner Occupied HU | 855 (77.2%) |
| Renter Occupied HU | 158 (14.3%) |
| Vacant Housing Units | 94 ( 8.5%) |
| Median Home Value | $177,500 |
| Average Home Value | $219,953 |
Housing Distribution
Address Breakdown
Residential
1,044
Single Family
1,028
Multi-Family
16
Businesses
62
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 48475, Ubly, MI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,107 (100%) |
| Owner Occupied HU | 855 (77.2%) |
| Renter Occupied HU | 158 (14.3%) |
| Vacant Housing Units | 94 ( 8.5%) |
| Median Home Value | $177,500 |
| Average Home Value | $219,953 |
Housing Distribution
Address Breakdown
Residential
1,044
Single Family
1,028
Multi-Family
16
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices