0S071 Pearl RdWest ChicagoIL60185
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew West Chicago rentals match the income profile of 0S071 Pearl Rd, West Chicago, IL, 60185. Listed at $449,000, gross rent is $6,792/mo and net cash flow is $3,678/mo, a 18.15% yield well above national averages. DSCR 3.36 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $124,050 by year five with $4,135/yr in annual principal reduction, projecting $408,404 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.2% | 6.5% |
| Monthly Cash Flow | $3,678 | $300 |
City averages based on West Chicago market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,792 |
| Total Monthly Debt Service | $2,936 |
| DSCR Ratio | 2.31x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1948
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60185, West Chicago, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,468 (100%) |
| Owner Occupied HU | 8,127 (70.9%) |
| Renter Occupied HU | 2,617 (22.8%) |
| Vacant Housing Units | 724 ( 6.3%) |
| Median Home Value | $342,660 |
| Average Home Value | $378,860 |
Housing Distribution
Address Breakdown
Residential
10,918
Single Family
9,068
Multi-Family
1,850
Businesses
1,005
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1948
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60185, West Chicago, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,468 (100%) |
| Owner Occupied HU | 8,127 (70.9%) |
| Renter Occupied HU | 2,617 (22.8%) |
| Vacant Housing Units | 724 ( 6.3%) |
| Median Home Value | $342,660 |
| Average Home Value | $378,860 |
Housing Distribution
Address Breakdown
Residential
10,918
Single Family
9,068
Multi-Family
1,850
Businesses
1,005
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices