14027 Rutherford St · Detroit, MI 48227

$110,000

3 bd · 1.0 ba · 1,484 sqft · SingleFamily public records · 7 Days on market

Built 1936 4,356 sqft lot Est $96k · 14% over

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +20.8/30.0
• 1% rule +7.1/10.0
• DSCR +6.6/10.0
• Rent growth +3.9/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• ARV discount +1.2/15.0
• Appreciation +0.0/10.0

Listing remarks

Solid brick bungalow offering comfort, convenience, and low-maintenance living! This well-built home features 3 bedrooms, a spacious living room with a cozy fireplace, and a full basement with a convenient half bath, providing additional living and storage space. The fenced backyard is perfect for pets, play, or outdoor entertaining. A great opportunity for homeowners or investors alike-call today to schedule your private tour!

Key facts

• Brick bungalow
• Full basement
• Cozy fireplace

Tags

• BRICK BUNGALOW
• FENCED BACKYARD
• COZY FIREPLACE
• FULL BASEMENT

Property features AI

Exterior

• Parking: Detached garage with 1 parking space
• Utilities: Natural gas heat; Public water at street; Public sewer at street; Electric service available
• Home design: Residential property; One-story; Built in 1936; Below-grade area present (finished area not listed)
• Construction: Brick construction; Poured foundation; Basement
• Exterior features: Brick exterior; Fenced yard; Sidewalks; Subdivision frontage on a road

Interior

• Kitchen: Range/Oven; Refrigerator
• Bedrooms: Bedroom 1 (Entry level) — approximately 10 x 10; Bedroom 2 (Entry level) — approximately 10 x 9; Bedroom 3 (Entry level) — approximately 9 wide
• Bathrooms: 1 full bathroom (Entry level)
• Heating & cooling: Forced air heating; No central air conditioning
• Interior features: Range/Oven; Refrigerator; Finished below-grade area not indicated (basement present, poured)
• Laundry & utility: Basement present (poured foundation)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $151 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Cap rate 7.9% vs local median 10.0% in Detroit — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 73/100 on livability (#218 in MI) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Detroit Public Schools Community District (urban): math 10% / reading 24% proficiency, ranked #499 of 540 in MI (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 90% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Dossin Elementarymiddle School (319 students, 89% FRL); Cody High School (math 24% / reading 24%, grade F, #481 of 713 statewide, top 81%, 466 students, 88% FRL) — zoned schools at 88% FRL track the district average.
• Market conditions: Rents rising fast (+5.6%/yr); 392 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 27d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,639 units permitted in Wayne County in 2024 (1,216 in 5+ unit buildings).
• This rent runs 44% of the median local income ($37k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Wayne County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 5.6% rent growth), your $31k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $85k; 29% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: property tax is 3.1% of price; built in 1936 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $110,000

Questions for the listing agent

1. Built in 1936 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.21% ✓
• Cap rate: 7.94%
• Cash-on-cash: 5.89%
• DSCR: 1.26
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $96,460
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13995 Montrose St	0.17mi	3/1.5	1,468 (-1%)	4mo	$116,600	$79	85
14018 Prevost St	0.08mi	3/2.0	1,532 (+3%)	5mo	$75,000	$49	83
14100 Winthrop St	0.25mi	3/1.0	1,411 (-5%)	4mo	$90,000	$64	76
14000 Rutland St	0.47mi	3/1.5	1,461 (-2%)	1mo	$95,000	$65	73
13566 Longacre St	0.60mi	3/1.0	1,510 (+2%)	2mo	$100,000	$66	67
14124 Sussex St	0.47mi	3/1.0	1,646 (+11%)	3mo	$70,000	$43	57
13618 Grandmont Ave	0.35mi	3/1.0	1,267 (-15%)	3mo	$90,500	$71	56
14689 Forrer St	0.54mi	3/1.5	1,627 (+10%)	3mo	$65,000	$40	54
14736 Mansfield St	0.59mi	3/1.0	1,318 (-11%)	0mo	$62,000	$47	54
14634 Abington Ave	0.65mi	3/1.5	1,618 (+9%)	4mo	$165,000	$102	49
14529 Asbury Park	0.46mi	4/2.0 (+1)	1,688 (+14%)	4mo	$127,500	$76	43
14232 Lauder St	0.72mi	3/1.0	1,272 (-14%)	2mo	$60,000	$47	41

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 5.59% rent growth · sell at horizon

5-year hold

• IRR: -3.8%
• Equity multiple: 0.85×
• Total profit: $-4,531
• Equity at exit: $16,401

10-year hold

• IRR: 9.0%
• Equity multiple: 1.79×
• Total profit: $24,308
• Equity at exit: $9,511

Cash invested: $30,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Michigan: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

Methodology + full state rankings →

ZIP-level market 48227

• Rents YoY: 5.6%
• Active inventory: 392
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,334 high
• Mortgage (P&I): −$577
• Tax from tax record: −$280 /mo · $3,358/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$280
• Net cashflow: $151

Break-even live

Break-even rent $1,142

Max offer price $110,000

Occupancy floor 84%

Sensitivity live

Price	-10% $213	-5% $182	+0% $151	+5% $120	+10% $89
Rent	-10% $46	-5% $98	+0% $151	+5% $204	+10% $256
Rate	-1.0pp $206	-0.5pp $179	base $151	+0.5pp $123	+1.0pp $94

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14504 Saint Marys St Detroit, MI	4.0	1.0	1362	$1,473	$1.08	45d	1	0.38mi
14510 Asbury Park Detroit, MI	2.0	1.0	1771	$1,250	$0.71	45d	1	0.42mi
14535 Mettetal St Unit 1 Detroit, MI	2.0	1.0	965	$1,000	$1.04	45d	1	0.43mi
14580 Forrer St Unit Unit Detroit, MI	2.0	1.0	1300	$900	$0.69	22d	1	0.45mi
14615 Winthrop St Detroit, MI	2.0	1.0	1217	$1,300	$1.07	18d	1	0.45mi
12840 Grandmont Ave Detroit, MI	3.0	1.0	1100	$1,200	$1.09	45d	1	0.51mi
14104 Coyle St Detroit, MI	3.0	1.0	1327	$1,350	$1.02	7d	1	0.53mi
14836 Rutherford St Unit 2 Detroit, MI	2.0	1.0	1104	$950	$0.86	45d	1	0.56mi
14753 Saint Marys St Detroit, MI	2.0	1.0	900	$1,150	$1.28	14d	1	0.56mi
14753 Saint Marys St Detroit, MI	2.0	1.0	900	$1,150	$1.28	7d	1	0.56mi
13279 Coyle St Detroit, MI	3.0	1.0	1444	$1,373	$0.95	45d	1	0.58mi
14264 Coyle St Detroit, MI	2.0	1.0	1000	$1,150	$1.15	45d	1	0.59mi
12711 Grandmont Ave Detroit, MI	3.0	1.0	1000	$1,400	$1.40	20d	1	0.61mi
16014 Hackett St Detroit, MI	4.0	2.0	1142	$1,500	$1.31	45d	1	0.65mi
14375 Terry St Detroit, MI	3.0	2.0	1300	$1,425	$1.10	45d	1	0.69mi
14800 Woodmont Ave Detroit, MI	3.0	2.0	1612	$1,525	$0.95	17d	1	0.70mi
14893 Prest St Detroit, MI	3.0	1.0	1100	$1,000	$0.91	17d	1	0.70mi
14814 Sussex St Unit 2 Detroit, MI	3.0	1.0	1100	$1,000	$0.91	45d	1	0.74mi
14716 Archdale St Detroit, MI	2.0	1.0	900	$1,100	$1.22	45d	1	0.85mi
13331 Strathmoor St Detroit, MI	3.0	1.0	1084	$1,100	$1.01	18d	1	0.86mi
12754 Marlowe St Detroit, MI	3.0	2.0	1008	$1,400	$1.39	18d	1	0.90mi
15332 Saint Marys St Detroit, MI	3.0	1.0	1200	$1,200	$1.00	18d	1	0.91mi
13581 Penrod St Detroit, MI	4.0	1.0	1152	$1,200	$1.04	45d	1	0.92mi
15065 Gilchrist St Detroit, MI	3.0	1.0	1100	$1,250	$1.14	45d	1	0.92mi
12941 Penrod St Detroit, MI	2.0	1.0	1000	$1,275	$1.27	45d	1	0.95mi
14559 Strathmoor St Detroit, MI	2.0	1.0	1033	$1,150	$1.11	22d	1	0.95mi
15375 Prevost St Detroit, MI	4.0	1.0	907	$1,300	$1.43	18d	1	0.97mi
13591 Faust Ave Detroit, MI	2.0	1.0	1000	$1,275	$1.27	45d	1	0.98mi
12778 Strathmoor St Detroit, MI	3.0	1.0	1597	$1,150	$0.72	7d	1	0.98mi
14600 Strathmoor St Detroit, MI	4.0	1.0	1300	$1,450	$1.12	45d	1	0.99mi
15330 Coyle St Unit 1 Detroit, MI	3.0	1.0	1000	$1,375	$1.38	26d	1	1.06mi
15330 Coyle St Unit 1 Detroit, MI	3.0	1.0	1000	$1,425	$1.43	14d	1	1.06mi
15330 Coyle St Unit 2 Detroit, MI	3.0	1.0	1000	$1,450	$1.45	26d	1	1.06mi
15328 Coyle St Detroit, MI	3.0	1.0	1000	$1,450	$1.45	20d	1	1.07mi
11641 Mansfield St Unit 2 Detroit, MI	3.0	1.0	1449	$1,300	$0.90	45d	1	1.09mi
12950 Glastonbury Ave Detroit, MI	3.0	1.0	1000	$1,400	$1.40	26d	1	1.10mi
14284 Cruse St Detroit, MI	3.0	1.0	1121	$1,150	$1.03	18d	1	1.11mi
15341 Lauder St Detroit, MI	4.0	1.5	1080	$1,475	$1.37	18d	1	1.13mi
14590 Ardmore St Detroit, MI	3.0	1.0	1200	$1,195	$1.00	5d	1	1.13mi
13514 Stahelin Ave Detroit, MI	3.0	1.0	1000	$1,400	$1.40	20d	1	1.15mi

Listing history 8 events

1. 2026-06-21
   days on market $110,000 Active 7 DOM
2. 2026-06-18
   days on market $110,000 Active 4 DOM
3. 2026-06-17
   days on market $110,000 Active 3 DOM
4. 2026-06-16
   days on market $110,000 Active 2 DOM
5. 2026-06-15
   days on marketlisting id $110,000 Active 1 DOM
6. 2026-06-15
   days on market $110,000 Active 3 DOM
7. 2026-06-13
   remarks 431-char remark
8. 2026-06-13
   listed $110,000 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MI · Partial reset (capped growth)

• Current annual tax: $3,358 · $280/mo
• Projected year-2 tax: $3,358 · $280/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,003
• − Mortgage interest: −$6,162
• − Property taxes: −$3,358
• − Insurance: −$550
• − Repairs & maintenance: −$1,280
• − Management: −$1,280
• − Depreciation: −$3,200
• Taxable income: $173
• Est. tax owed @ 24.0%: −$42
• After-tax cash flow: $1,771/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Detroit Public Schools Community District
• NCES district ID: 2601103
• Math proficiency: 10% ▼ -2.00%
• Reading proficiency: 24% ▲ 6.00%
• Median HH income: $25,815
• Composite: 13.06/100
• National rank: #9564
• State rank: #499 of 540 in MI

Livability — Detroit

• Score: 73/100
• State rank: #218
• US rank: #5427

Category grades

Amenities A+ Commute A+ Cost of living A+ Crime F Employment F Housing A+ Health & safety B- User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Detroit, MI
• County: Wayne County · 1,562,939 people
• City population: 572,865
• Metro: Detroit-Warren-Dearborn, MI
• Population (ZIP): 40,302
• Household income: $36,527
• Rent vs Own: 40.9% rent · 59.1% own
• Severe rent burden: 2371.0

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 1,675,273 people
• By 2030: 1,620,300 · -3.3%
• By 2040: 1,502,341 · -10.3%
• By 2050: 1,384,039 · -17.4%
• By 2075: 1,124,592 · -32.9%
• By 2100: 881,193 · -47.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (95%)
• Race & ethnicity: Black 95% Two or more races 3% White 1%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1% French/Haitian/Cajun 1%

Political lean MEDSL · Wayne

• 2024 margin: Strong D (+29.0) · D 62.7% · R 33.7% · Other 3.6%
• 2008→2024 swing: -20.5pp toward R · 2008: 49.5pp · 2024: 29.0pp
• All cycles: 2024: D+29.0 2020: D+38.1 2016: D+37.3 2012: D+46.9 2008: D+49.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -125.00%
• Current HPI: 186.4158
• Rent YoY: ▲ 5.59%
• Metro: Detroit-Warren-Dearborn, MI
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

+658.6% since first listed

3 events — show timeline

• 2026-06-12 Listed $110,000 MiRealSource-MiMLS
• 2020-01-13 Sold (Public Records) $85,000 Public Records
• 1995-02-02 Sold (Public Records) $14,500 Public Records

Property tax history

+5.4%/yr

Latest (2025): $3,358 · +0.3% YoY. Source: county tax records.