CCN 235635 · Bay County, Michigan
Caretel Inns of Tri-Cities
6700 Westside Saginaw Road, Bay City, MI 48706
Caretel Inns of Tri-Cities is a 60-bed for-profit nursing home in Bay City, Michigan, first certified for Medicare or Medicaid in 2007. CMS rates it 1 out of 5 stars overall in its September 2026 data, and it averaged 55.8 residents a day, about 93% of its certified beds. It has an active FHA-insured Section 232 loan: $6.5 million originally, at 3.91%, with $5.2 million outstanding as of September 30, 2026 and maturity in August 2049.
Facility facts
- Certified beds
- 60
- Average residents per day
- 55.8 (93.0% of beds)
- Ownership type
- For profit - Corporation
- Certification
- Medicare and Medicaid
- Legal business name
- Wood Care Viii Inc
- Certified since
- Oct 25, 2007
- Chain or affiliated group
- Symphony Care Network (7 facilities, chain average 1.7 stars)
- Location
- Urban
Ratings and staffing
Star ratings run from 1 to 5. Staffing is nurse hours per resident per day from CMS Payroll Based Journal data; turnover is the CMS annual nursing staff turnover rate. Occupancy is CMS's average daily census divided by certified beds.
| Measure | This facility | Michigan median | US median |
|---|---|---|---|
| Overall rating | 1 of 5 | State spread: 72 at 1, 84 at 2, 85 at 3, 75 at 4, 104 at 5 | |
| Health inspections | 1 of 5 | ||
| Quality measures | 4 of 5 | ||
| Staffing | 3 of 5 | ||
| Total nurse hours per resident per day | 3.81 | 3.81 | 3.68 |
| RN hours per resident per day | 0.73 | 0.71 | 0.58 |
| Weekend nurse hours per resident per day | 3.42 | ||
| Nursing staff turnover | 63.0% | 44.6% | 44.9% |
| Occupancy (residents / beds) | 93.0% | 86.7% | 85.7% |
| Fines reported by CMS | 4 totaling $161,469 | ||
| Health deficiencies, latest standard survey | 15 (Aug 7, 2025) | ||
HUD 223(f) Express Lane: the CMS part
HUD gives 223(f) applications queue priority when the facility has CMS overall and health inspection ratings of at least 2 stars and no abuse icon, among other tests (ORCF criteria of March 31, 2026). Caretel Inns of Tri-Cities does not meet it today: overall rating 1, health inspection rating 1. The loan-to-value, coverage and operator tests depend on the deal. All the criteria.
Who owns and operates it
These are the owners and operators the facility reported to CMS: anyone with a 5% or greater direct or indirect stake, and any organization with operational or managerial control.
| Name | Role | Share | Since |
|---|---|---|---|
| Symphony of Michigan Holdings LLCOrganization | Direct Ownership Interest | 100% | 06/01/2020 |
| Benoit Holdings LLCOrganization | Indirect Ownership Interest | 20% | 06/01/2020 |
| Calumet South LLCOrganization | Indirect Ownership Interest | 5% | 06/01/2020 |
| Fairhome Trust Uad 12312012Organization | Indirect Ownership Interest | 20% | 06/01/2020 |
| Gzlt Holdings LLCOrganization | Indirect Ownership Interest | 10% | 06/01/2020 |
| Willow Delta TrustOrganization | Indirect Ownership Interest | 15% | 06/01/2020 |
| Krupp, AriIndividual | Indirect Ownership Interest | 10% | 09/01/2019 |
| Senderowicz, YossiIndividual | Indirect Ownership Interest | 5% | 06/01/2020 |
| Hartman, DavidIndividual | Operational / Managerial Control | n/a | 06/01/2020 |
| Krupp, AriIndividual | Operational / Managerial Control | n/a | 09/01/2019 |
Changes of ownership
No change of ownership for this facility appears in the CMS change-of-ownership file, which starts in January 2016.
HUD Section 232 loans
HUD's Office of Healthcare Programs lists these FHA-insured loans for a project we matched to this facility by name, city and bed count. Status, rate and balance come from HUD's insured-mortgage files as of September 30, 2026. Check the FHA number against the loan documents before relying on the match.
| Endorsed | Program | Original amount | Status | FHA number |
|---|---|---|---|---|
| Jul 23, 2014 | 223(f) refinance or purchaseHUD project name: Caretel Inns of Tri-Cities, 94 beds. Lender at endorsement: Lancaster Pollard Mtge Co | $6,519,600 | Active: 3.91%, $5,174,257 balanceMatures Aug 1, 2049. Servicer: Lument Real Estate Capital | 04822032 |
Sources and dates
Facility, rating, staffing and ownership data: CMS Provider Information and CMS Ownership, processing date September 2026. Private equity, REIT and mortgage-interest flags and changes of ownership: CMS Skilled Nursing Facility All Owners and Change of Ownership files (2026-10-01). FHA-insured loans: HUD Office of Healthcare Programs endorsement database, data run July 8, 2026. How we join them, and what the join can get wrong: methodology.
SNF Register is independent. It is not affiliated with or endorsed by CMS, HUD or FHA. Spotted an error? Write to hello@hudskillednursing.loan.