4087 Sunset Maple Dr · Brown City, MI 48416

$114,900

3 bd · 2.0 ba · 1,500 sqft · Manufactured · 10 Days on market

Built 2026 Excellent condition

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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 +18.4/30.0
• ARV discount +7.5/15.0
• DSCR +5.8/10.0
• 1% rule +4.9/10.0
• Condition / age +4.8/5.0
• Livability +3.2/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Brand-new 2026 Champion manufactured home offering modern design and energy-efficient construction! This spacious double-wide is approximately 27 ft wide by 56 ft long and features 3 bedrooms and 2 full bathrooms, including a private primary suite with its own full bath. The home showcases stylish upgraded flooring throughout, a bright open layout, and a stunning kitchen with a large island, upgraded countertops, and a full kitchen appliance package included. Exterior highlights include bright white siding with bold black trim, an upgraded front deck, and upgraded vinyl stone skirting for added curb appeal. Situated on an interior lot, this home provides a comfortable and private setting. Built with quality and efficiency in mind, upgrades include 2x6 exterior walls, OSB walls with house wrap, enhanced roof insulation, and a high-efficiency furnace helping keep energy costs down year-round. Move-in ready and loaded with upgrades. Don’t miss this opportunity for low-maintenance, modern living! Extremely Affordable lot rent of only $360!

Key facts

• Upgraded countertops
• Large island
• Stunning kitchen

Tags

• ENERGY EFFICIENT CONSTRUCTION
• PRIVATE PRIMARY SUITE
• STUNNING KITCHEN
• LARGE ISLAND
• UPGRADED COUNTERTOPS
• FULL KITCHEN APPLIANCE PACKAGE

Property features AI

Finance

• Other: Pets allowed (cats and dogs permitted)
• HOA & community: Homeowners association with monthly fees; Clubhouse; Grounds maintenance; Trash service included in HOA

Exterior

• Parking: Paved parking
• Utilities: Public water; Public sewer
• Home design: Manufactured home; Single-story
• Construction: Vinyl siding; Pillar/post/pier foundation; Built above grade with finished living area
• Exterior features: Deck; Porch; Paved roads/driveway

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Oven; Range; Refrigerator
• Bedrooms: Total of 5 rooms (bedroom count not specified separately)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Forced air heating (natural gas); Ceiling fan(s)
• Interior features: Eat-in kitchen; Walk-in closet(s); Crawl space basement
• Laundry & utility: Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $115k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $108 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $114k (0.6% below list).
• Recommended offer: $114k (0.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 63/100 on livability (#512 in MI) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: schools C-, amenities F, commute F.
• Brown City Community Schools (rural): math 25% / reading 39% proficiency, ranked #336 of 540 in MI (top 62%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 43 active listings in the ZIP; 63 units permitted in Sanilac County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $794 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Sanilac County population projected at -31% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Recommended offer $114,159 (0.6% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 0.99% ✗
• Cap rate: 7.42%
• Cash-on-cash: 4.02%
• DSCR: 1.18
• GRM: 8.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -10.0%
• Equity multiple: 0.64×
• Total profit: $-11,735
• Equity at exit: $17,132

10-year hold

• IRR: -0.6%
• Equity multiple: 0.96×
• Total profit: $-1,306
• Equity at exit: $9,934

Cash invested: $32,172 (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 48416

• Home prices YoY: -16.8%
• Active inventory: 43
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,142 medium
• Mortgage (P&I): −$603
• Tax est. 1.5%: −$144 /mo · $1,724/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$240
• Net cashflow: $108

Break-even live

Break-even rent $1,005

Max offer price $114,900

Occupancy floor 86%

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: $28,725
• Closing costs: $3,447
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-06-18
   days on market $114,900 Active 10 DOM
2. 2026-06-17
   days on market $114,900 Active 9 DOM
3. 2026-06-16
   days on market $114,900 Active 8 DOM
4. 2026-06-15
   days on market $114,900 Active 7 DOM
5. 2026-06-13
   days on market $114,900 Active 5 DOM
6. 2026-06-13
   days on market $114,900 Active 4 DOM
7. 2026-06-08
   remarks 699-char remark

   Show marketing remark (1057 chars)

   Brand-new 2026 Champion manufactured home offering modern design and energy-efficient construction! This spacious double-wide is approximately 27 ft wide by 56 ft long and features 3 bedrooms and 2 full bathrooms, including a private primary suite with its own full bath. The home showcases stylish upgraded flooring throughout, a bright open layout, and a stunning kitchen with a large island, upgraded countertops, and a full kitchen appliance package included. Exterior highlights include bright white siding with bold black trim, an upgraded front deck, and upgraded vinyl stone skirting for added curb appeal. Situated on an interior lot, this home provides a comfortable and private setting. Built with quality and efficiency in mind, upgrades include 2x6 exterior walls, OSB walls with house wrap, enhanced roof insulation, and a high-efficiency furnace helping keep energy costs down year-round. Move-in ready and loaded with upgrades. Don’t miss this opportunity for low-maintenance, modern living! Extremely Affordable lot rent of only $360!

8. 2026-06-08
   listed $114,900 Active 1 DOM

   Show marketing remark (1057 chars)

   Brand-new 2026 Champion manufactured home offering modern design and energy-efficient construction! This spacious double-wide is approximately 27 ft wide by 56 ft long and features 3 bedrooms and 2 full bathrooms, including a private primary suite with its own full bath. The home showcases stylish upgraded flooring throughout, a bright open layout, and a stunning kitchen with a large island, upgraded countertops, and a full kitchen appliance package included. Exterior highlights include bright white siding with bold black trim, an upgraded front deck, and upgraded vinyl stone skirting for added curb appeal. Situated on an interior lot, this home provides a comfortable and private setting. Built with quality and efficiency in mind, upgrades include 2x6 exterior walls, OSB walls with house wrap, enhanced roof insulation, and a high-efficiency furnace helping keep energy costs down year-round. Move-in ready and loaded with upgrades. Don’t miss this opportunity for low-maintenance, modern living! Extremely Affordable lot rent of only $360!

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

Taxation est. · year 1

• Rental income: $13,699
• − Mortgage interest: −$6,436
• − Property taxes: −$1,724
• − Insurance: −$574
• − Repairs & maintenance: −$1,096
• − Management: −$1,096
• − Depreciation: −$3,343
• Taxable loss: −$569
• Est. tax savings @ 24.0%: +$137
• After-tax cash flow: $1,430/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.

Condition & rehab AI · 12 photos

Excellent 95/100 None rehab

This brand-new 2026 Champion manufactured home is in excellent condition with modern design and energy-efficient construction. It offers a spacious layout, stylish kitchen, and well-maintained bathrooms. The home is move-in ready with a bright exterior and a comfortable setting.

Value-add opportunities

• Both Painting the exterior siding — Enhances curb appeal and can increase both resale and rental value.
• Both Landscaping improvements — Enhances curb appeal and can increase both resale and rental value.
• Both Adding a small outdoor lighting system — Enhances curb appeal and can increase both resale and rental value.
• Both Upgrading the front door — Enhances curb appeal and can increase both resale and rental value.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior siding — Enhances curb appeal and can increase both resale and rental value. ↑
• Both Landscaping improvements — Enhances curb appeal and can increase both resale and rental value. ↑
• Both Adding a small outdoor lighting system — Enhances curb appeal and can increase both resale and rental value. ↑
• Both Upgrading the front door — Enhances curb appeal and can increase both resale and rental value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Brown City Community Schools
• NCES district ID: 2607040
• Math proficiency: 25% ▼ -8.00%
• Reading proficiency: 39% ▼ -5.00%
• Median HH income: $44,588
• Composite: 27.29/100
• National rank: #7002
• State rank: #336 of 540 in MI

Livability — Brown City

• Score: 63/100
• State rank: #512
• US rank: #15324

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Brown City, MI
• City population: 5,216
• Population (ZIP): 5,216

Population outlook (Sanilac County) Hauer SSP2

• Today (2025): 37,948 people
• By 2030: 35,772 · -5.7%
• By 2040: 30,996 · -18.3%
• By 2050: 26,280 · -30.7%
• By 2075: 17,471 · -54.0%
• By 2100: 10,572 · -72.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Romanian 12% Lithuanian 2% Iranian 2%
• Foreign-born: 2% · Canada
• Languages at home: 89% English-only · German/W. Germanic 9% Spanish 1% Russian/Polish/Slavic 0%

Political lean MEDSL · Sanilac

• 2024 margin: Solid R (+47.7) · D 25.5% · R 73.2% · Other 1.3%
• 2008→2024 swing: -39.6pp toward R · 2008: -8.1pp · 2024: -47.7pp
• All cycles: 2024: R+47.7 2020: R+45.6 2016: R+44.5 2012: R+20.4 2008: R+8.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -41.42%
• Current HPI: 205.2258
• Rent YoY: —
• Metro: —
• 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

+0.0% since first listed

2 events — show timeline

• 2026-06-08 Listed $114,900 REALCOMP
• 2026-06-08 Listed $114,900 MiRealSource-MiMLS