909 N Johnson St, Bay City, MI 48708

4 bd · 2 ba · 1,561 sqft · built 1910 · Bay City · SINGLE_FAMILY·source listing ↗

$58,000

rent, three ways

OnePercent model (vv1)$1,588/mo

point estimate — add comps for a band

HUD Fair Market Rent · 48708 · 4BR$1,430/mo

Area comps median (last 90d)—

Area comps median (last 90d)

\u2014

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Bay

Flood risk indexRelatively Moderate FEMA NRI

Median household income$50,518

Median area rent$751/mo

Median home value$107,700

the verdict

2.74%vs 1.0% target

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

$58,000

2.74% · rent $1,588

Intrinsic value · income approach

$156,159

63% 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.