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© 2026 OnePercent · Estimates carry bands, never promises.the line

115 E Congress St, Belding, MI 48809 — $225,000 · 5bd · ~1.4% rule | OnePercent

115 E Congress St, Belding, MI 48809

$225,000

Overview Financials Comps Location Analysis Calculator Nearby Risk Neighborhood Market

Home·Belding 48809·115 E Congress St, Belding, MI 48809

Last confirmed 5 days ago

115 E Congress St, Belding, MI 48809

5 bd · 2 ba · built 1901 · Belding · MULTI_FAMILY·source listing ↗

$225,000

rent, three ways

OnePercent model (vv1)$3,111/mo

p10–p90 confidence band

HUD Fair Market Rent · 48809 · 5BR—

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

the locale

County

Ionia

Flood risk indexRelatively Low FEMA NRI

Median household income$71,071

Median area rent$888/mo

Median home value$210,400

the verdict

1.38%vs 1.2% target

Modeled rent: $3,111/morent estimate
Property tax: —listing
Insurance: $2,108/yrstate avg
HOA: —listing

Cap rate: 11.0%
Cash flow: +$933/mo
Cash-on-cash: 21.6%

financing: 20% down · — (FRED, live) · 30yr

$225,000

1.38% · rent $3,111

Intrinsic value · income approach

$352,589

36% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.

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