4078 Ann St, Saginaw, MI 48603

3 bd · 2 ba · 1,819 sqft · built 1935 · Saginaw · SINGLE_FAMILY·source listing ↗

$174,500

rent, three ways

OnePercent model (vv1)$2,516/mo

p10–p90 confidence band

HUD Fair Market Rent · 48603 · 3BR

$1,590/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Saginaw

Flood risk indexRelatively Moderate FEMA NRI

Median household income$66,352

Median area rent$1,050/mo

Median home value$186,800

the verdict

1.44%vs 1.0% target

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

$174,500

1.44% · rent $2,516

Intrinsic value · income approach

$270,556

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.