1003 W William StChampaignIL61821
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1003 W William St, Champaign, IL, 61821 in Champaign deserves attention. This $332,500 property earns $2,838/mo in rent, a 10.24% gross yield, and nets $532/mo after the $1,495/mo payment. DSCR 1.90 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $91,864 compounds alongside $3,062/yr in yearly equity build, for a total cumulative return of $161,432.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.8% |
| Monthly Cash Flow | $532 | $450 |
City averages based on Champaign market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,838 |
| Total Monthly Debt Service | $2,174 |
| DSCR Ratio | 1.31x |
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 1925
6,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61821, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,438 (100%) |
| Owner Occupied HU | 7,948 (55.0%) |
| Renter Occupied HU | 5,168 (35.8%) |
| Vacant Housing Units | 1,322 ( 9.2%) |
| Median Home Value | $200,906 |
| Average Home Value | $243,819 |
Housing Distribution
Address Breakdown
Residential
12,843
Single Family
11,539
Multi-Family
1,304
Businesses
576
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 1925
6,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61821, Champaign, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,438 (100%) |
| Owner Occupied HU | 7,948 (55.0%) |
| Renter Occupied HU | 5,168 (35.8%) |
| Vacant Housing Units | 1,322 ( 9.2%) |
| Median Home Value | $200,906 |
| Average Home Value | $243,819 |
Housing Distribution
Address Breakdown
Residential
12,843
Single Family
11,539
Multi-Family
1,304
Businesses
576
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices