100 W 3rd StHartfordIL62048
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 100 W 3rd St, Hartford, IL, 62048 in Hartford offers a clean, manageable entry. Rental yield 7.78%. DSCR 1.44 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $34,535 in additional property value over five years, with $1,151/yr in principal equity building ownership stake. Total projected cumulative return: $44,143.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 9.0% |
| Monthly Cash Flow | $(57) | $200 |
City averages based on Hartford market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $810 |
| Total Monthly Debt Service | $817 |
| DSCR Ratio | 0.99x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1930
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62048, Hartford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 600 (100%) |
| Owner Occupied HU | 400 (66.7%) |
| Renter Occupied HU | 146 (24.3%) |
| Vacant Housing Units | 54 ( 9.0%) |
| Median Home Value | $74,857 |
| Average Home Value | $90,944 |
Housing Distribution
Address Breakdown
Residential
515
Single Family
515
Multi-Family
0
Businesses
44
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 1930
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62048, Hartford, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 600 (100%) |
| Owner Occupied HU | 400 (66.7%) |
| Renter Occupied HU | 146 (24.3%) |
| Vacant Housing Units | 54 ( 9.0%) |
| Median Home Value | $74,857 |
| Average Home Value | $90,944 |
Housing Distribution
Address Breakdown
Residential
515
Single Family
515
Multi-Family
0
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices