100 Walden Pond BlvdMonticelloIL61856
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 100 Walden Pond Blvd, Monticello, IL, 61856 in Monticello at $595,000, 2.96% gross yield, is a market-growth asset. Rental yield 2.96%. The $1,470/mo rent partially funds the $2,675/mo debt service; the core return is the 5%/yr price growth projected to add $164,388 over five years. Ziffy Mortgage's DSCR mortgage (0.55) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $56,638.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 7.0% |
| Monthly Cash Flow | $(2,665) | $300 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,470 |
| Total Monthly Debt Service | $3,890 |
| DSCR Ratio | 0.38x |
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 2005
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61856, Monticello, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,471 (100%) |
| Owner Occupied HU | 2,665 (76.8%) |
| Renter Occupied HU | 586 (16.9%) |
| Vacant Housing Units | 220 ( 6.3%) |
| Median Home Value | $218,269 |
| Average Home Value | $250,692 |
Housing Distribution
Address Breakdown
Residential
3,379
Single Family
3,206
Multi-Family
173
Businesses
337
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 2005
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61856, Monticello, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,471 (100%) |
| Owner Occupied HU | 2,665 (76.8%) |
| Renter Occupied HU | 586 (16.9%) |
| Vacant Housing Units | 220 ( 6.3%) |
| Median Home Value | $218,269 |
| Average Home Value | $250,692 |
Housing Distribution
Address Breakdown
Residential
3,379
Single Family
3,206
Multi-Family
173
Businesses
337
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Max McComb, GRI • RE/MAX REALTY ASSOCIATES-CHA
Mls Name: MRED as distributed by MLS GRID
Mls ID: #12547141